A simple comparison ledger
- Stated flat fee
- A dollar amount stated in advance It is not recalculated when the portfolio rises or falls.
- Percentage-of-assets fee
- Billed assets × annual rate At $1,000,000 and 1.00%, the annual fee is $10,000.
How I’m Paid
I’m paid directly by clients. My primary services use stated flat fees.
Flat-fee retirement planning. Retire With Swan is paid by clients. Before we begin, you’ll know what the work costs, what it includes, and when you’ll be billed.
Start with a Swan Fit Call
Why this structure
Why I chose flat fees.
I chose flat fees because they let me define the work around the advice and service a household needs, while supporting a focused, sustainable firm that can continue delivering that work well.
Flat fees will not be right for everyone. For the households I am best equipped to help, the value is in the fit between the fee, the work, and the level of help they want.
Is this structure a good fit?
It tends to fit people who value
- A stated dollar cost
- Advice across connected retirement decisions
- A defined body of work
- The choice of one-time, short-term, or continuing help
The honest tradeoffs
- A flat fee is not automatically the lowest fee.
- Retire With Swan earns more if you choose an ongoing relationship.
- Custodial, transaction, fund, or platform costs may apply separately.
Compare fee mechanics
See the annual dollars—and how they add up over time.
A percentage can be difficult to picture. Start with the annual dollar cost, then use the same fee math to look farther ahead.
Choose a view
- Percentage fee at 1.00%
- Ongoing Wealth Management — individual: $9,100
- Ongoing Wealth Management — household: $12,150
- Percentage-based fee at 1.00%
- Retire With Swan — individual ($9,100/year)
- Retire With Swan — household ($12,150/year)
This is a one-year illustration of fee math, not a comparison of services or value. Actual schedules may use breakpoints, minimums, negotiated rates, or changing billed balances. Other costs may also apply.
For illustration, this view holds the assets subject to the percentage fee, the selected rate, and the current Retire With Swan fees constant in today’s dollars. Future nominal Retire With Swan fees may change under the agreement’s CPI adjustment. It does not project investment returns or compare services. Actual account values and advisory fees will vary. Other costs are not included.
How much?
One-time plan
Retire Blessed Income Blueprint
$1,522
A written retirement plan that organizes your income, taxes, healthcare, investments, and legacy decisions into one plan you can use.
Done with you
The 90-Day Bridge
$5,811 individual
$7,500 couple or household
A fixed 90-calendar-day, advice-only engagement to help put agreed recommendations into action while you retain decision-making and account authority. It does not renew automatically.
See how the Bridge works
Done for you
Ongoing Wealth Management
$9,100 individual annually
$12,150 couple or household annually
Ongoing retirement planning and portfolio management for households that want to delegate more of the work. Ongoing Wealth Management uses a flat annual fee.
See how ongoing management works- Blueprint delivered
- First eligible Bridge and/or Ongoing Wealth Management agreement begins within 180 calendar days
- Up to $1,522 aggregate credit
One aggregate credit equal to the Blueprint fee paid and not refunded, up to $1,522, may be applied toward one or both eligible services. It has no cash value and does not renew.
When do you pay?
Blueprint
Invoice
$1,522 one time, billed in two $761 invoices:
$761 after the agreement is signed and $761 at Blueprint delivery
90-Day Bridge
Invoice
After any eligible Blueprint credit, half when the engagement begins
The balance when the 90-day engagement expires
Ongoing Wealth Management
Invoice
Annual flat fee
Billed monthly in arrears
Complete fee details
The additional terms are here when you want them. The written agreement controls the exact service and fee.
Do you receive product-sale compensation?
Retire With Swan 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.
How does the Blueprint credit work?
If a household’s first 90-Day Bridge and/or first Ongoing Wealth Management agreement begins within 180 calendar days after Blueprint delivery, one aggregate credit equal to the Blueprint fee paid and not refunded, up to $1,522, may be applied toward one or both services. It has no cash value and does not renew.
The Blueprint stands on its own. Any later service is optional and requires a separate written agreement.
What happens if an engagement ends early?
Project fees are earned based on completed services and documented progress. The 90-Day Bridge fee is earned evenly over its 90-day term. Ongoing fees are prorated through the termination date, and hourly fees remain due as earned. Any prepaid amount above the earned fee is refunded.
Subject to any applicable five-business-day cancellation right, a Blueprint credit allocated to the 90-Day Bridge is used when the Bridge begins, has no cash value, and is not restored after termination. Any credit not allocated to the Bridge remains subject to the aggregate limit and 180-day eligibility period.
How does the annual adjustment work?
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, 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.
Are focused and hourly planning available?
Focused projects range from $1,000 to $20,000 per engagement. Hourly planning ranges from $200 to $500 per hour and is billed in arrears. The written agreement states the exact scope, fee, and billing method. A Blueprint is not required first.
What other costs may apply?
Clients may also pay custodial charges, brokerage or transaction costs, fund expenses, and outside-manager or platform fees. These costs are separate from Retire With Swan’s advisory fee.
Your written agreement states the exact service, fee, billing method, and termination terms before work begins.
Next step
See whether this way of working fits what you need.
Answer four quick questions. If it looks like a fit, you can choose a time to speak with Christopher.