How I’m paid
What it costs
to work together.
I charge a fixed project fee for the Blueprint and the 90-Day Bridge, and a flat annual fee for ongoing wealth management.
Compare ongoing feesThe first engagement
Retire Blessed
Income Blueprint
We work through your retirement questions and put the plan in writing.
What the Blueprint includes$1,522
One-time fee · individual or household
One-time project fee billed in two $761 installments: one after signing and one at Blueprint delivery.
The engagement ends when your Blueprint is delivered, with no automatic renewal.
Further help
The 90-Day Bridge
For help putting your plan into practice, we work together for 90 days. I provide advice and guidance; you make the decisions and handle changes in your accounts.
What the Bridge includes- Individual
- $5,811
- Couple or household
- $7,500
Fixed fee for the full 90 calendar days
After any eligible Blueprint credit, half is due at the start and the balance at the end of the 90 days. The Bridge does not renew automatically.
Further help
Ongoing Wealth Management
I provide continuing retirement planning and manage the investment accounts named in our agreement.
What ongoing management includes- Individual
- $9,100
- Couple or household
- $12,150
Flat annual fee
Billed monthly, after the month’s service. You can pay by invoice or give written authorization for payment from a managed account.
You can use your Blueprint on your own or choose further help. We agree on any additional work separately; you do not need to complete the Bridge before starting ongoing management.
Compare ongoing fees
Put the annual fee in context.
Compare a percentage-based advisory fee with the flat annual fees for Ongoing Wealth Management. The starting 1% rate is an example; adjust it to the effective rate you want to compare.
- Percentage fee at 1.00%
- My annual fee — individual: $9,100
- My annual fee — 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.
Payment details
Common questions.
Before we begin, we’ll review the service, fee, payment schedule, and termination terms in your written agreement.
How does the Blueprint credit work?
If a household’s first 90-Day Bridge and/or 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.
Any later service requires a separate written agreement.
What if I need to end our work together?
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.
Can the annual fee change?
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.
Do you offer shorter planning projects?
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.
Does your compensation change if I choose ongoing service?
Retire With Swan earns more if you choose an ongoing relationship. Each service is optional and separately documented.
Do you receive commissions?
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.
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.
A conversation comes first
Let’s talk about what you need.
In a free 20-minute Swan Fit Call, we can talk about your retirement questions and whether the Blueprint would be useful. We’ll meet on Google Meet. No prep needed.