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Every plan we build starts the same way: a full retirement plan covering your income, taxes, risk, and investments. What happens after that is up to you. Click below to learn more about each route:
Not everyone needs ongoing investment management. Some people simply want an experienced retirement planner to review their situation, answer important questions, and provide a comprehensive plan they can confidently implement on their own. The Bugle Valley Route is designed for retirees and those approaching retirement who:
As we onboard, we will create your Bugle Valley Route, which is outlined in the other tab. With the Guided Route, we plan to be with you every step of the way in retirement. So, your Bugle Valley Route will be updated every year, along with investment management.
Investment management is ongoing throughout the year. We continuously monitor portfolios, rebalance and tax-loss harvest when appropriate, manage portfolio withdrawals, and make adjustments as your plan evolves.
We do not have a crystal ball, and we’ll never pretend to. We design diversified portfolios that will capture returns in markets around the world.
The portfolio recommendations are built around your plan and specific risks. For example, there are times where we’ll recommend building individual bond ladders. For others, we may recommend building a total return portfolio, which includes bond funds.
Everyone is different, and your portfolio should be one that you can stick with.
Your investment accounts are held at Charles Schwab. Your assets always remain in your name and under your control. You simply authorize us to manage the portfolio and place trades on your behalf, while you continue to have direct access to your accounts through Schwab whenever you'd like.
A traditional advisor charges a percentage of your portfolio, every year, for as long as you're a client — which means the fee grows even when the work doesn't. Adjust the numbers below to see what that adds up to next to a flat, known fee.
Not sure which route makes sense? That's exactly what this conversation is for.
Retirement planning isn't one decision, it's dozens of small (mostly irreversible) ones: when to claim, what to convert, what to draw down first. We walk the whole route with you, one decision at a time.
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