Pricing & Services
Ongoing Planning & Wealth Management.
Our ongoing planning fee ensures continuous, proactive guidance, keeping your investments, tax strategies, and goals aligned. It’s peace of mind, knowing your financial future is in expert hands year-round.
One simple fee covers financial planning, portfolio management, and tax services—no hidden costs.
We manage all accounts, like IRAs, brokerage accounts, trusts, and more, to keep your investments aligned.
Our fees are tiered based on assets managed. For example, with $3 million, you’d pay 1.00% on the first $1 million and 0.80% on the rest.
There’s no set portfolio minimum, but we may set a minimum annual fee depending on your needs.
For Accumulators
$5,000
For Retirees
$7,500
Our Services, in a Snapshot.
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 for you, 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.
Your tax preparer and wealth advisor work together in real-time, so you don’t have to juggle different people each tax season.
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 Full List of Partners Includes...
A Process Built Around and For You.
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.
We don’t simply create a plan—we work with you to ensure it stays aligned with your evolving life. With regular check-ins and adjustments, we’re here to help you grow your financial confidence and keep moving forward.
%202.avif)
An In-Depth Look at Our Process.
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."
See if Refined Wealth Is Right for You.
Curious if we’re the right fit for your retirement planning needs? Book a free, no-pressure intro call. We’ll talk about your goals, your questions, and how we can help you create a tax-smart, stress-free plan for the future.