Services.
One engagement, built around The Retirement Income Protection Plan™: your income, investments, taxes, estate, and healthcare coordinated in a single plan, for one transparent fee. Here’s what that includes and exactly what it costs.
One plan, every moving part.
Retirement touches every part of your finances. These are the areas we coordinate for you, designed as one system, included in one fee.
One simple fee. Everything included.
One blended advisory fee on the assets we manage. That’s the entire engagement. Planning, investment management, and ongoing support are included, not billed separately.
No long-term contract. Fees billed monthly in arrears. Leave anytime.
*Fees are blended across tiers and shown for illustrative purposes; your exact fee depends on the services and accounts involved. Insurance and annuity products are compensated separately by the issuing carriers, not through your advisory fee. Confirm current terms in our Form ADV.
Everything the fee covers.
What would your fee be?
The protected portion carries a 0% advisory fee.*
That’s $2,500 saved per year versus the industry average.*
See the tier-by-tier breakdown
*For illustration only — not an offer, a fee quote, or personalized advice. The protected portion is modeled as an allocation to a fixed index annuity (FIA), an insurance contract: principal protection is subject to the claims-paying ability of the issuing carrier, growth is limited by caps and participation rates, and surrender charges may apply to early withdrawals. Insurance and annuity products are compensated separately by the issuing carriers, not through your advisory fee — which is why that portion is shown at a 0% advisory fee. For the “industry average,” we used Fidelity Wealth Services’ published fee schedule: the savings figure bills the same portfolio on the annual gross advisory fee schedule published for its Wealth Management and Private Wealth Management service levels in its Form ADV Part 2A brochure dated March 30, 2026 (firm CRD #104555): 1.50% on accounts of $500,000 or less (up to a maximum of $6,250 per year); for larger accounts, 1.25% on the first $500,000, 1.10% on the next $500,000, 0.90% on the next $1 million, 0.70% on the next $3 million, and 0.50% above $5 million. Gross fees shown, before Fidelity’s credit amount; fee schedules change, so verify the current brochure at adviserinfo.sec.gov. Factor Financial is not affiliated with Fidelity. Figures exclude custodial, fund, and product costs. Whether an FIA fits your plan depends on your situation; confirm current advisory fee terms in our Form ADV.
Let’s have a quick chat about your retirement plan.
A relaxed, no-pressure conversation to see where you stand and whether working together makes sense.
