Pricing
A service model designed for you
Swell exists to help you feel more confident about your money.
Unlimited, on-going financial planning, dedicated to helping you succeed.
One Time Plan
Current Waitlist: Est. Start Q3 2025
Created for those who prefer the DIY approach, this service provides an immediate retirement snapshot and written game plan that can be implemented independently, without the need for an ongoing planning relationship
Plans customized to your situation and can include:
Cash Flow Planning and Budgeting
Investment Recommendations
Insurance Evaluation - Life, Home, Auto Review
Review of Tax Returns
Tax Planning and Where to Take Your 1st Dollar
Tax Efficient Asset Location Analysis
Roth Conversion Assessment
Health Care Planning Pre 65 and Medicare
Income Guardrails - Safe Withdrawal Amounts
Solving the Income Gap before Social Security
Tax Planning Leading Up to & In Retirement
eMoney Retirement Planning Scenario Modeling
(3) Planning Meetings
Unlimited Support for 90 days
Check-ins/Emails/Calls as needed
Plans start at $6,00 and vary based on complexity
Two Payments: First Half Due Upfront and
Second Half Due at Plan Completion
*If you decide you want to continue working with us after the completion of your one-time engagement, you can easily transition into an AUM Investment Management and Planning relationship. And when you do, we’ll waive your 2nd payment as a thank you for continuing the journey with us.
The Accelerator
Created for high-earning individuals and families with less than $750k in retirement savings, who are 5-10 years from retirement and looking for ongoing, long-term tax and retirement planning support.
Services include:
Cash Flow Planning and Budgeting
Investment Recommendations
Guidance on your 401k assets
Life and Disability Insurance Evaluation
Homeowners and Auto Insurance Review
Health Care Planning Pre 65
Medicare Enrollment Assistance
Annual Employer Benefits Review
Estate Plan Deep Dive and Review
Annual Review of Tax Returns
Mid Year Paystub Tax Withholding Review
Retirement Tax Planning: Where to Take Your 1st Dollar and Structure Your Accounts
When “Best” to take Social Security and Pensions
Roth Conversion Assessment
Tax Planning Leading Up to & In Retirement
Stock Options & Equity Compensation Planning
Semi-annual review meetings
Unlimited Ongoing Support
Check-ins/Emails/Calls as needed
Minimum starting $7,500 Annual Flat Fee
$2,500 Initial Planning Fee
Option to pay monthly, quarterly, or semi-annual
Fees discounted by Asset Management (Optional)
*Once total fees from Assets managed surpass $7,500/year in AUM, client is given choice whether to enroll fully into AUM model or continue paying monthly flat fee.
If Flat Fee Planning engagement only, annual pricing will vary based on needs and complexity, starting at $7,500/year.
Retirement Runway
Designed for individuals and families
either in or nearing retirement with over $750k in investable assets and seeking a long-term partnership in the follow areas:
Covers all of the services listed in The Accelerator
and also includes Personal Tax Preparation and Filing
Emphasis on:
Understanding Taxes & Where to Take Your 1st Dollar
Tax and Roth Conversion Assessment
Income Guardrails - Safe Withdrawal Amounts
Solving the ‘Gap’ - Retirement until Social Security
When “Best” to take Social Security and Pensions
Medicare and Income Threshold Assessment
Health Care Planning Pre 65
Medicare Enrollment Assistance
Understanding your Required Minimum Distribution
Gifting Assessment via Donor Advised Fund
eMoney Retirement Planning Scenario Modeling
Estate Plan Deep Dive and Review
Tax Impact & Retirement Scenario Modeling
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 - $750k –1.50% AUM
$750k - $1M –1.25% AUM
$1M-$3M –1.00% AUM
$3M -$5M –0.75% 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.