This is the ongoing relationship, where our team runs your retirement income plan for you: the withdrawals, the tax moves, the adjustments when markets and life change. You have the plan. We fly it with you.
Book your discovery callNot stock picking — and we'll say that plainly. The value of this relationship isn't a bigger return than you'd get on your own. It's a smoother retirement: a less volatile portfolio, fewer gut-punch years, and the confidence that comes with them. When your income doesn't lurch every time the market drops, you can actually spend the money you saved instead of cutting back out of fear. That's the return we're after — a retirement you're not afraid to live.
A Roth conversion window closes at year-end; an IRMAA threshold is one withdrawal away. We act while it still counts — not at your annual review.
You're not executing your first-ever retirement drawdown alone. We manage about $150 million for the families in our ongoing relationship, running these exact decisions year after year.
Regular reviews, in plain language: where your spending is, how the plan is holding, and what changed and why.
You retired to live, not to track withdrawal sequencing and tax thresholds. We carry that so you don't.
The plan includes a written response for a falling market, decided in advance — not in the moment. What happens depends on how deep it goes:
It's built to trim what ran up and buy what's on sale — without anyone having to make a scared decision.
We have specific steps planned in advance to cushion the downside before you're in it.
Not a form email — a real conversation about what's happening and exactly what we're doing about it.
You know the plan for the bad years before you're in one. That's what lets you spend in the good years without flinching.
The retirement date, the spending guardrails, the whole plan — updated whenever your life, the markets, or the tax law changes, so it never goes stale.
You tell us the number; we decide which accounts to draw from based on your tax-efficient withdrawal strategy — coordinating Roth conversions, IRMAA thresholds, and capital gains — and the money lands in your checking account.
Rebalancing handled in the background, tax-loss harvesting where it helps, and a running tax projection so no withdrawal or conversion is decided in the dark.
When required distributions begin, we execute them on time and fold them into your overall tax strategy.
Keeping the full picture — beneficiaries, documents, account titling — aligned with your wishes.
A long fall planning meeting (in time for year-end tax moves), a spring tax-return check, and a lighter summer check-in.
Yes, we build and manage the portfolios ourselves, and we believe in what we do — we think we're very good at it. But we're not going to oversell it, because the portfolio isn't the product. It's the instrument. We build it to be tax-efficient and deliberately steadier than the market, because a less volatile portfolio is what makes the withdrawals, the tax moves, and the guardrails actually work. The portfolio serves the plan. It isn't there to beat an index, and we won't pretend that's the point.
The ongoing relationship is a wealth management fee: a percentage of the assets we manage, billed monthly, with no commissions, no products to sell you, and no trade costs. It's tiered, and the rate steps down as your assets grow — each band applies only to the assets within it, so your effective rate is a blend.
And if you move into this relationship during your planning engagement and we manage more than $1M for you, we waive the rest of your planning fees — the wealth management fee replaces them rather than stacking on top.
We're paid on the money we manage. That's the same incentive that pushes many advisors to quietly encourage you to spend as little as possible — the more that stays in the account, the more the advisor earns. We're telling you that outright, because our job is the opposite. Every year, we prove how much you can safely spend and give you permission to actually live on it. Over the next five years, we've set a goal to help 5,000 clients spend $600 million of their own money that a conventional 4%-rule plan would have told them to leave untouched. If we do this right, you spend more, worry less, and never have to wonder whether our advice is really about our fee.
This is where about three out of four of our planning clients continue. It's built as one relationship, not a menu: we don't manage investments without the ongoing planning, because the plan is what makes the investing make sense. If what you want is someone to pick funds and leave the tax and income work to you, we're honestly not the right fit — and we'd rather tell you that now.
Handing over your investments is a big step. Here's exactly what protects you:
We're paid only by you — never by commissions or product sales — and we're legally bound to act in your best interest.
Peak Financial Planning is a registered investment adviser (CRD #317288).
We manage about $150 million for the roughly 100 households in our ongoing relationship, and we're adding 12–15 new ongoing relationships a month.
Your assets are held in accounts you own at an independent, third-party custodian. We manage them; we never take possession of them, and you keep access at all times.
