Services

Services are offered through our affiliation with Commonwealth Financial Network ®, our broker/dealer- RIA.

Retirement Planning

You’ve saved for this. We help model how it actually works.

We analyze:

Income Sources

We review your Social Security, pensions, withdrawals, and how they work together to support your lifestyle.

Stress Tests

We model market drops, longevity, and rising health costs to see how your plan performs under pressure.

Your Real Questions

Can I retire at 65? Can we spend $7K a month? What happens if one of us passes first?

Income Planning

Retirement income requires having enough, but you also need to understand where your income will come from and when. We build a withdrawal plan that feels steady and predictable.

What we do:

Create a Withdrawal Strategy

We determine how much to take, which accounts to use first, and in what order to maximize efficiency.

Coordinate Tax Implications

We align your withdrawals with a smart tax strategy to help you keep more of what you take.

Bridge Income Gaps

We build a plan for the years before Social Security or pensions begin so there are no surprises.

Simplify Your Numbers

We make your monthly numbers clear so you know what comes in, what goes out, and what remains.

Tax Planning

Taxes have a bigger impact on retirement than most people realize. We work with your CPA to make every move as tax-smart as possible.

What we do:

Plan Withdrawal Sequencing

We coordinate distributions across account types to help minimize taxes over your lifetime.

RMD Strategy

We create a plan for Required Minimum Distributions so they don’t create unexpected tax spikes.

Roth Conversion Analysis

We evaluate whether converting today will reduce your tax burden tomorrow.

Tax Impact Reviews

We check the tax consequences before you make major financial decisions.

Estate Planning

Before you ever hire an attorney, we help you think through the decisions that shape your family’s future.

What we do:

Beneficiary Review

We verify that all account beneficiaries match your goals and aren’t outdated.

Incapacity Planning

We prepare for who steps in if you can't make decisions so nothing is left unclear.

Heir Tax Considerations

We analyze the tax implications your heirs may face so you can plan wisely.

Attorney Coordination

We work directly with your estate attorney to ensure documents reflect your intentions.

Investment Management

We build and manage portfolios aligned with your retirement plan.

What we do:

Evidence-Based Strategy

We invest using disciplined, research-backed principles rather than speculation or guesswork.

Risk Alignment

We match your portfolio to your comfort with risk and the lifestyle you want to maintain.

Thoughtful Diversification

We aim to spread risk intelligently across asset classes to support long-term stability.

Ongoing Oversight

We monitor, rebalance, and adjust your portfolio as markets shift and your life evolves.

Comprehensive Wealth Management Fees

ANNUAL FEE

PPS Select Program Account clients will pay an annual management fee, as outlined in the blended fee schedule below. The management fee is negotiable and billed quarterly, and, unless otherwise agreed, shall be based on the value of assets in the Account.

In addition to the annual management fee, PPS Select Program clients will pay program fees, administrative charges, and miscellaneous account fees and charges, as described in the Master Services Agreement (MSA) or PPS Client Agreement (as applicable) and Commonwealth’s ADV Part 2A Brochure.

MANAGEMENT FEE

Account Size

First $250,000

Next $250,000

Next $500,000

Next $1,000,000

Above $3,000,000

Maximum Annual Fee

1.25%

1.20%

1.10%

1.0%

0.75%

0.6%

Fee-Based Consulting

Get experienced guidance on specific needs without ongoing management commitments. One project, one price, no surprises.

Hourly or flat fee based on project scope.

Some examples:

Pension vs. Lump-Sum Decisions

We evaluate which option best supports your long-term financial freedom.

Social Security Timing

We determine when to claim benefits to maximize lifetime income.

Rollover Guidance

We help you move accounts correctly so you avoid costly mistakes.

Investment Review

We provide a clear, objective assessment of your portfolio.