Services & Fees

As a fee-only fiduciary, I am compensated solely by my clients, never by commissions or product sales. My only obligation is to you.

My typical client is:

  • U.S. citizens or residents

  • Based in the New York/New Jersey area

  • Primarily U.S.-source income

  • Approaching retirement or recently retired

  • Possibly considering retiring abroad or splitting time internationally, with a focus on Latin America and parts of Asia

  • Navigating taxes, healthcare, cash flow, and lifestyle fit

  • Real estate owned personally, not through entities

  • Does not have stock options, RSUs, or employer equity programs as part of compensation

  • Has a straightforward financial profile without foreign pensions, offshore entities, or foreign financial investments such as PFICs

Pricing

These fees reflect the planning needs of my typical client profile and may vary depending on the scope of the engagement.

$5,000 — One-Time Financial Plan

Typically spans three months and includes three to five meetings. Half of the cost is due upon signing the agreement letter, and the remaining half is due upon presentation of the financial plan. Additional updates beyond the one-time plan are available at $250 per hour.

$7,500 — Annual Support

Includes the one-time financial plan and continuous support throughout the year, with meetings scheduled as needed to keep your plan current. The annual retainer is due quarterly at the beginning of each quarter.

$9,000 — Annual Support with Asset Management

Includes ongoing financial planning and management of a diversified portfolio built with low-cost funds. The annual retainer is due quarterly at the beginning of each quarter.

Financial Independence / Retirement Planning

Questions you might be asking

  • Do I have enough?

  • How can I optimize my situation to get there faster?

  • What are the tax implications?

  • When should I claim Social Security?

What we’ll work through together

  • Whether your retirement trajectory is on track

  • How IRMAA might affect your Medicare premiums and how to plan for it

  • How tax-efficient your investments are today

  • How different retirement timelines affect long-term sustainability

Outbound Retirement Planning

Additional questions you might be asking

  • What country should I retire in?

  • Do I want to change my base to that jurisdiction or just spend a lot of time there?

What we’ll work through together

  • How your chosen country’s tax system, worldwide or territorial, affects your U.S. income and overall tax picture

  • The difference between establishing residency abroad and spending extended time there, and the financial and tax implications of each

  • Estate implications of retiring or spending extended time in a foreign jurisdiction