Our Services
Three ways to work together. Choose one to see the details.
Full Service Planning
Our core service is for those who want a partner to handle all aspects of their financial planning, investment management, and coordination with strategic partners.
First 60 Days
- Three strategy meetings
- A comprehensive plan across every service area (listed below)
- Full implementation
Service Calendar
- Spring Review Meeting: Cashflow & Taxes
- Summer Video: Investments
- Fall Review Meeting: Benefits & Optimizations
- Winter Tax Letter: Year-End Planning
- Available year-round as things come up
Fees are tiered, so each rate applies only to the assets within that range. For example, with $3 million under management, you'd pay 1.00% on the first $1 million and 0.80% on the remaining $2 million.
We do not have an asset minimum. However, our minimum annual fee is $5,000 (the equivalent of 1% of $500,000).
Fees are billed monthly from managed accounts or by ACH, and you can cancel anytime with 30 days notice.
One-Time Plan
The One-Time Plan is ideal for those who are changing jobs, receiving a severance package, or planning to retire within the next few years.
This engagement includes three meetings to develop and present your plan, all within your first 60 days. From there, you'll have 90 days of follow-up support as you put the plan into action. Pricing is based on complexity and starts at $5,000, with half billed up front and the balance due at plan completion.
Once your plan is complete, there's no upsell or pitch to become a client. But if you'd like to become a client and have us handle implementation, we'll credit the second half of your fee toward ongoing service.
For Accumulators
For Retirees
Project Based Diagnostics
Tax Plan
$1,000
"You're W-2, there's not much you can do." Not true.
"My tax situation isn't that complicated." It may not be, but I still see people paying unnecessary penalties and interest every year. And that's just a level one tax planning opportunity.
This service is for high-earning W-2 professionals who are paying too much in taxes but aren't sure what to do.
I'll review your last two tax returns, pay stubs, benefits, and investment accounts, then deliver a written report within two weeks: what's driving your tax bill, what to fix before December 31, and which strategies actually apply to you.
It includes a 45-minute follow-up call to walk through the plan, and if you're not satisfied within 30 days, the fee is refunded, no questions asked.
Portfolio Review
$750
The biggest mistakes I see are the use of third-party managers in their 401(k). I would prefer people just use a target date fund. However, I have serious issues with target date funds, as they do not account for your pension, which can and should be thought of as fixed income.
I'll review your full picture: your 401(k), other investments, cash reserves, and how your portfolio should account for your pension.
Then provide a written report: your allocation, the fees you're paying, your diversification, and changes worth considering.
Delivered within two weeks of sending your statements. It includes a 45-minute follow-up call to walk through the plan, and if you're not satisfied within 30 days, the fee is refunded, no questions asked.
Financial Planning
We’ll model your net worth, giving you a clear framework to make confident financial decisions.
Providing proactive guidance on everything—retirement, education savings, housing choices, debt management, insurance, charitable giving, and estate planning.
We’ll keep everything optimized so you don’t have to stress or spend time on the details.
Taxes impact every financial decision you make. We view every decision through the lens of taxes now and in the future to provide you with the best after tax solution.
We integrate tax and investing strategies to maximize your after-tax returns.
Portfolio Management
Your portfolio is custom-built to match your goals and risk tolerance, with all your accounts working together.
We use a broadly diversified, low-cost, tax-conscious, enhanced indexing investment approach.
We monitor accounts daily, looking for opportunities to rebalance or harvest tax losses.
We place asset classes strategically across your accounts for the best possible tax efficiency.
We provide ongoing insight and clarity to help you stay on track with your investment plan—no matter what the market’s doing.
Strategic Partners
Work with trusted tax preparers to ensure our proactive tax planning is properly documented and filed timely.
Work with trusted estate attorneys to make sure your legacy is protected—and your wishes are followed.
Connecting and collaborating with specialists who can review and secure the coverage you actually need—without the sales pressure.
Simplify your Medicare decisions with expert guidance that helps you avoid costly mistakes.
Unlock competitive lending solutions through our private banking partners—for mortgages, lines of credit, and more.
Our Planning Process
Our approach starts with understanding what truly matters to you. From there, we thoughtfully design a plan tailored to your goals and guide you through each step, from strategy to implementation.
1. Discovery Meeting (45-Min)
This is a relaxed, stress-free Zoom meeting to see if we’re a mutual fit.
We’ll spend the first 15 minutes exploring whether your situation aligns with our expertise.
If we both agree there’s potential, we’ll use the remaining 30 minutes to learn more about you and your unique challenges, goals, and what you’d like to achieve.
2. Data Gathering
Between the first and second meeting we will request your account statements and latest tax return. This quantitative information will help us further understand your situation and prepare our analysis.
3. Review Assessment (60-Min)
During this meeting, we will deliver the results of your Retirement Assessment.
We will show you exactly what you can do to improve your retirement plan, lower taxes, and optimize your investments.
At the end of this process, we will simply ask you to think about it. We are looking for long-term relationships, not a quick transaction. If you decide that we aren’t a good fit, we will happily help you find another professional with the right expertise. There is never a hard-sell or pressure to say "yes."
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See if Refined Wealth Is Right for You
Curious if we’re the right fit for your retirement planning needs? Book a complimentary intro call. We’ll talk about your goals, your questions, and how we can help you create a plan for the future.