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.
Exploratory Onboarding
(The Hybrid Approach)
For individuals or couples approaching retirement with $750,000+ in investable assets, this is a structured 90-day onboarding experience designed to give you clarity, confidence, and insight into whether we’re the right long-term partner for your retirement.
This is not a one-time financial plan.
It’s the first phase of working with us—focused on understanding your goals, building your initial retirement strategy, and experiencing how we collaborate before you commit to ongoing advisory.
Over the course of three 90-minute sessions, we’ll work together to:
Clarify your retirement goals, income needs, and timing
Build an initial tax-aware retirement income strategy
Evaluate Social Security, portfolio structure, risk, and cash flow
Identify the biggest opportunities and risks that will impact your retirement
By the end of this process, you’ll have the clarity you need to decide how you want to move forward:
Option 1: Continue with us as your ongoing advisor
You delegate planning + investment management, and our fees shift to an AUM structure where ongoing guidance is included.
Option 2: Choose to implement on your own
You may take what we’ve created and handle implementation independently if you feel that’s best.
If you choose to move forward with Investment Management (AUM) at any point during this 90-day period, we’ll rebate 50% of the $7,500 onboarding cost as a credit toward your transition into our AUM-based relationship.
There’s no pressure either way—only clarity.
Our goal is to help you step into retirement with confidence, whether we continue together or not..
Retirement Ready
Ongoing Advisory & Investment Management
Designed for individuals and couples nearing or in retirement with $750,000+ in investable assets, Retirement Ready is our ongoing advisory relationship for families who want a trusted partner to help them make confident financial decisions—not just today, but throughout every season of retirement.
Areas Our In-Depth Planning Covers
Building Your Ideal Retirement Portfolio with Ongoing Rebalancing
Tax-efficient investing and asset location planning
Tax Planning: Where to Take Your First Dollar to Lower Lifetime Taxes
Annual Tax Return Review and Paystub Withholding Analysis
Roth Conversion Analysis and RMD planning
Charitable giving strategies, including Donor-Advised Funds
Social Security and pension timing to maximize lifetime income
Retirement spending guardrails and scenario modeling to stress-test income and longevity Medicare and IRMAA guidance
Pre-65 healthcare planning for coverage before Medicare
Insurance Evaluation: Life, Home, Auto, Disability
Long-term care evaluation and planning recommendations
Estate plan review and collaboration with your attorney
Beneficiary and titling guidance to support your estate intentions
Stock options and equity compensation planning (if applicable)
How We Work With You:
Semi-Annual Review Meetings
*Option for additional meetings as needed
Unlimited Ongoing Support via phone, email, or check-ins
We lead proactively so you always know what matters most
Asset Management Fee Schedule
$500k - $750k –1.50% AUM
$750k - $1M –1.25% AUM
$1M-$3M –1.00% AUM
$3M -$5M –0.75% AUM
$5M+ 0.50% AUM
All ongoing planning is included at no additional cost.
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.