Clear advice should have a clear price.
Flat-fee retirement planning. Retire With Swan is paid by clients. The Blueprint and 90-Day Bridge use stated project fees, and Ongoing Wealth Management uses a flat annual fee. Focused projects use fixed fees; hourly planning uses an agreed hourly rate. The firm and its supervised persons do not receive compensation from product sales.
Advice should be candid about incentives—including mine.
Retire With Swan is paid by clients for retirement-planning and advisory work. The firm and its supervised persons do not receive commissions, trailing commissions, 12b-1 fees, referral fees, or other compensation from the sale of investment, insurance, or annuity products.
My Christian faith shapes how I approach stewardship, service, family, and work. Clients do not need to share my faith; they should expect it to shape the care, candor, and responsibility I bring to the work.
Retire With Swan earns more if you choose an ongoing relationship than if you use a project-based service. That is why ongoing service is optional, separately documented, and never required as part of a planning engagement.
The fee is honest because the planning lane is defined.
Retire With Swan is built for North Texas individuals and couples usually within five years before or after retirement who have several connected decisions to coordinate. The Blueprint is the primary comprehensive engagement, but focused and hourly planning can address a narrower scope without requiring a Blueprint first.
Retirement has become a decision
The work is designed for the years when the career paycheck is about to stop—or has recently stopped—and the retirement-income choices are now real.
Several decisions overlap
Social Security, pensions, withdrawals, taxes, healthcare, investments, insurance, and estate decisions need to work as one plan.
Write the plan before implementation
You want the decisions and responsibilities made visible before deciding whether to delegate investment management or continue ongoing advice.
The stated fee must make sense
There is no public asset minimum. The question is whether the connected planning scope and published flat fee are a sensible exchange for your household.
The shorthand is simple. The explanation should be complete.
The goal is simple: when we discuss a recommendation, you should understand why it fits your plan without wondering how I get paid if you say yes.
No commissions
Retire With Swan and its supervised persons do not receive commissions or other compensation from the sale of investment, insurance, or annuity products.
Standard fees defined
The current fee for each public service is stated in dollars and described below. Focused and hourly planning use the fee stated in the written agreement.
A visible tradeoff
A flat fee is not automatically the lowest fee. It makes the price visible and separates it from portfolio size. We will say clearly when the fee is unlikely to make sense for your situation.
The fees pay for retirement planning and advice.
The written agreement identifies the subjects, deliverables, fee, billing method, duration, and responsibilities for each engagement. Project and 90-Day Bridge engagements do not include ongoing monitoring.
Retirement income design
Social Security, pensions, essential expenses, income gaps, and the plan for the season when savings begin supporting life.
G.R.A.C.E. planning
Guaranteed Income, Reserves and Insurance, Asset Growth and Income, Comprehensive Tax Planning, and Estate and Legacy.
Tax-aware strategy
Withdrawal sequencing, Roth conversion analysis, RMD planning, tax bracket review, and coordination with your tax professional.
Implementation and review
The Blueprint can establish action items and implementation guidance. The 90-Day Bridge provides fixed-term implementation help. Ongoing Wealth Management includes two scheduled planning reviews during each 12-month period.
Plan first. Implement by choice.
The Blueprint is the primary comprehensive planning engagement and stands on its own. Focused and hourly planning are available for narrower needs. A client is not required to complete a Blueprint before engaging Retire With Swan for another service.
| Service | What it does | Standard fee |
|---|---|---|
| Retire Blessed Income Blueprint | A complete stand-alone written retirement-planning engagement and the firm’s primary comprehensive planning service. | $1,522 one time, generally billed in two $761 installments |
| Focused Financial Planning | A project addressing one or more financial decisions, planning questions, implementation needs, or a second opinion. | $1,000 to $20,000 per engagement |
| Hourly Financial Planning or Consultation | A limited scope stated in the written agreement. Hourly fees are billed in arrears. | $200 to $500 per hour |
| The 90-Day Bridge | A fixed 90-calendar-day planning and implementation engagement. You retain decision-making and account authority; the service does not include investment discretion or ongoing account monitoring and does not renew automatically. | $5,811 individual / $7,500 couple or household per engagement, less any eligible Blueprint credit |
| Ongoing Wealth Management | Ongoing financial planning plus discretionary management of eligible accounts held at a qualified custodian. | $9,100 individual / $12,150 couple or household annually |
For these standard fees, “individual” means one client. “Couple or household” means two clients receiving services under one agreement and one coordinated scope. The Blueprint, 90-Day Bridge, and standard Ongoing Wealth Management fees are not negotiable. Other project and hourly fees can be negotiated before work begins.
How the one-time Blueprint credit works
If a household's first 90-Day Bridge and/or first Ongoing Wealth Management engagement begins within 180 calendar days after Retire With Swan delivers the household's Blueprint, Retire With Swan provides one aggregate credit equal to the Blueprint fee paid and not refunded, up to $1,522. The credit can be applied to one or both eligible engagements, but the total credit cannot exceed $1,522. It has no cash value and does not renew.
The Blueprint stands on its own. You may stop when it is delivered and keep the work. Any later service is a separate choice under a separate written agreement.
Choose a fixed implementation term or an ongoing relationship.
The applicable advisory agreement controls the exact service. The 90-Day Bridge is fixed-term and non-discretionary. Ongoing Wealth Management combines continuing planning with discretionary investment management.
The 90-Day Bridge
One-half of the net fee is billed when the engagement begins and the balance when it expires. The fee is earned evenly over 90 calendar days, so a partial term is prorated by calendar day. Bridge fees are paid directly and are not deducted from managed accounts.
Ongoing planning reviews
Ongoing Wealth Management includes two scheduled planning reviews during each 12-month period. Project and 90-Day Bridge clients do not receive ongoing account monitoring.
Ongoing Wealth Management
Christopher also accepts discretionary responsibility for eligible managed accounts: implementation, monitoring, rebalancing, distributions, and portfolio changes called for by the plan.
Billing, adjustments, and fee tradeoffs
Ongoing Wealth Management is billed monthly in arrears. With written authorization, the fee can be deducted from a managed account; a client can instead pay by invoice. Each January 1, the standard annual fee increases by the 12-month percentage change in the Consumer Price Index for All Urban Consumers, U.S. City Average, All Items, not seasonally adjusted (CPI-U), for the period ending the preceding October. A zero or negative change does not reduce the fee. The adjusted fee is rounded to the nearest dollar, and written notice is provided before it is first billed.
Ongoing Wealth Management combines financial planning with discretionary investment management. A flat fee is not automatically the lowest fee, and similar advisory services may be available for less. The Swan Fit Call should identify when the stated fee is unlikely to make sense for your situation.
If a fixed-fee project ends early, the earned fee is based on completed services and documented progress toward the agreed deliverables. The 90-Day Bridge fee is earned evenly by calendar day, ongoing fees are prorated through the termination date, and a client remains responsible for earned hourly fees. Retire With Swan refunds any prepaid amount that exceeds the earned fee.
Custodial charges, brokerage and other transaction costs, mutual fund or exchange-traded fund expenses, and outside-manager or platform fees are separate from Retire With Swan's advisory fee.
Questions worth asking before hiring any advisor.
Are you fee-only?
Yes. Retire With Swan is paid by clients for advisory and financial-planning services. The firm and its supervised persons do not receive commissions, trailing commissions, 12b-1 fees, referral fees, or other compensation from the sale of investment, insurance, or annuity products.
Is a flat fee always less expensive?
No. A flat fee is not automatically the lowest fee. It makes the price visible and separates it from portfolio size. The Swan Fit Call should identify when the stated fee is unlikely to make sense for your situation.
Does Retire With Swan earn more if I continue after the Blueprint?
Yes. The firm earns more if you choose an ongoing relationship than if you use a project-based service. Ongoing service is therefore optional, separately documented, and never required as part of a planning engagement.
What does the $1,522 Blueprint fee include?
The Blueprint is a $1,522 project-based retirement-planning engagement. Your written agreement identifies the subjects, deliverables, expected timing, and meetings, if any. The fee is generally billed in two $761 installments: one after signing and one when the Blueprint is delivered.
Can I hire Retire With Swan for focused or hourly planning?
Yes. A focused project can address one or more financial decisions, planning questions, implementation needs, or a second opinion for $1,000 to $20,000 per engagement. Hourly planning or consultation ranges from $200 to $500 per hour and is billed in arrears. The written agreement states the exact scope and fee. A Blueprint is not required first.
What is the 90-Day Bridge?
The 90-Day Bridge is a fixed 90-calendar-day planning and implementation engagement. The fee is $5,811 for an individual or $7,500 for a couple or household per engagement, less any eligible Blueprint credit. You retain decision-making and account authority. The service does not include investment discretion or ongoing account monitoring, expires after 90 days, and does not renew automatically.
What is Ongoing Wealth Management?
Ongoing Wealth Management combines ongoing financial planning with discretionary management of accounts held at a qualified custodian. It includes two scheduled planning reviews during each 12-month period. The standard annual fee is $9,100 for an individual and $12,150 for a couple or household, billed monthly in arrears. The standard fee is subject to the annual CPI-U adjustment described above.
Do I have to hire Retire With Swan after the Blueprint?
No. The Blueprint ends when the agreed work is delivered. The 90-Day Bridge and Ongoing Wealth Management are separate choices and require separate written agreements. A client also can engage Retire With Swan for another service without first completing a Blueprint.
When does the Blueprint credit apply?
If your first 90-Day Bridge and/or first Ongoing Wealth Management engagement begins within 180 calendar days after Retire With Swan delivers your Blueprint, one aggregate credit equal to the Blueprint fee paid and not refunded, up to $1,522, can apply to one or both eligible engagements. The total credit cannot exceed $1,522, has no cash value, and does not renew.
Do you use annuities or insurance?
Insurance needs and risk-management considerations can be part of financial planning. Retire With Swan and its supervised persons do not receive commissions or other compensation from the sale of investment, insurance, or annuity products.
Why not charge less for smaller portfolios?
The work is based on retirement complexity inside a defined planning lane, not only portfolio size. Social Security, tax planning, Roth conversions, spending rules, reserves, and legacy decisions can be complex even when the portfolio is not extremely large.
Is everyone a fit for the ongoing relationship?
No. Ongoing Wealth Management is built for families near the retirement-income transition who want coordinated planning, two scheduled planning reviews during each 12-month period, and discretionary investment management. If your primary need is accumulation, active business succession, private-company equity planning, or family-office-level complexity, the better answer may be a referral to a specialist built for that work.
Are you a fiduciary?
Yes. Advisory services are provided under a fiduciary standard. That means recommendations should be made in the client's best interest and disclosed clearly before implementation.
Know the price before you begin.
The Swan Fit Call is a short conversation about your retirement turn, what you are trying to solve, and whether the written Blueprint makes sense as the next step.
Check fit and current availability