Pricing
A service model designed for you
Swell exists to help you feel more confident about money.
Unlimited, on-going financial planning, dedicated to helping you succeed.
One Time Plan
Designed for individuals and families
wanting an immediate retirement assessment and written game plan to self-implement with no ongoing planning relationship.
Plans customized to your situation and can include:
Cash Flow Planning and Budgeting
Investment Recommendations
Guidance on your 401k assets
Insurance Evaluation - Life, Home, Auto Review
Employer Benefits Review Prior to Open Enrollment
Review of or Assistance in Setting up an Estate Plan
Review of Tax Returns
Understanding Taxes and Where to Take Your 1st Dollar
Roth Conversion Assessment
Income Guardrails - Learning Safe Withdrawal Amounts
Solving the Gap between Retirement & Social Security
Tax Planning Leading Up to & In Retirement
Tax Impact & Scenario Modeling for Selling Real Estate
eMoney Retirement Planning Scenario Modeling
(3) Planning Meetings
Unlimited Support for 90 days
Check-ins/Emails/Calls as needed
Plans start at $4,000 and vary based on complexity
Two Payments: First Half Due Upfront and
Second Half Due at Plan Completion
*Ability to convert to ongoing planning or AUM relationship following the completion of the One Time engagement.
The Accelerator
Designed for individuals and families with immediate tax and retirement planning needs seeking an ongoing, long-term planning relationship.
Services include:
Cash Flow Planning and Budgeting
Investment Recommendations
Advice/Oversight on your 401k assets
Life Insurance Evaluation
Homeowners and Auto Insurance Review
Healthcare Pre-65 or Medicare Analysis
Employer Benefits Review prior to Open Enrollment
Estate Plan Deep Dive and Review
Review of Tax Returns
Understanding Taxes and Where to Take Your 1st Dollar
When “Best” to take Social Security and Pensions
Roth Conversion Assessment
Tax Planning Leading Up to & In Retirement
Tax Impact & Scenario Modeling for Selling Real Estate
Stock Options & Equity Compensation Planning
Semi-annual review meetings
Unlimited Ongoing Support
Check-ins/Emails/Calls as needed
Starting at $6,000 Flat Annual Fee
$1,500 Upfront Planning Fee
Option to pay monthly, quarterly, or semi-annual
Fees discounted by Asset Management at 1% (Optional)
*Auto-enrolled into AUM model once total fees from Assets managed surpass $6,000/year. If planning only, pricing will vary based on outside assets, needs, and complexity.
Retirement Runway
Designed for individuals and families
nearing retirement with over $500k in investable assets.
Covers all of the services listed in The Accelerator
and also includes Personal Tax Preparation and Filing
Emphasis on:
Understanding Taxes and Where to Take Your 1st Dollar
Roth Conversion Assessment
Income Guardrails - Learning Safe Withdrawal Amounts
Solving the ‘Gap’ - Between Retirement and Social Security
When “Best” to take Social Security and Pensions
Medicare and Income Threshold Assessment
Understanding your Required Minimum Distribution (RMD)
Retirement Gifting Assessment via Donor Advised Fund
eMoney Retirement Planning Scenario Modeling
Estate Plan Deep Dive and Review
Tax Impact & Scenario Modeling for Selling Real Estate
Annual Personal Tax Return Included at $1M*
Semi-annual review meetings
Option for a 3rd meeting if needed
Unlimited Ongoing Support
Check-ins/Emails/Calls as needed
Annual Planning Fee Waived
$500k - $1M –1.50% AUM
$1M-$3M –1.00% AUM
$3M -$5M –0.85% AUM
Above $5M –Negotiable
*Annual Personal Return filing costs of up to $500 paid for by Swell Financial when using a list of Swell’s preferred tax providers.
Our Process
Annual Meeting Cycle
Spring Cleaning Meeting
Spring Cleaning Meeting
Get Organized for the Year Ahead
We’ll help start your year out right: Our first goal is to get you organized so you can feel in control of your finances. So that means updating, analyzing, and possibly making new recommendations for you based on recent changes in your life. This proactive approach helps keep your financial life simplified and on-track. Let’s get after it!
Working Meetings
Working Meetings
Knock out all those lingering to-do’s
Mid-year, we’ll schedule another working meeting if needed. Here, we’ll check in on your progress, investments, and any adjustments needed to your financial plan. We’ll also choose one topic that needs attention and dive into it. That might be wills and estate planning, college planning, setting up a retirement or health savings account, or something completely different. Then Swell will follow up later to help ensure everything is implemented as intended.
Year End Planning
Year End Planning
Finish the year strong
As year-end approaches, it’s time to end the year with no ragrats (Ever seen the tattoo?...let’s make sure that doesn’t happen!) That means tax planning and year-end maximization strategies, so we can help find you savings or efficiencies. Tax planning can provide tremendous benefits, often for many years into the future. That’s the right way to start the new year! And, we’ll attend to anything else in your financial plan or financial life that needs attention.
Unlimited Support: We’re Always Here for You
Our support doesn’t stop at three meetings. We remain available for any financially related issue we can help with. Whether it’s assisting with refinancing, debt payoff, or anything else, we’re just a phone call, text, or email away. There is never an extra charge for this assistance and we’re happy to provide it.