Flat-Fee Retirement Planning
Clear, transparent pricing for comprehensive retirement planning and investment management.
Hive Retirement Planning is a fiduciary financial planning firm. We charge a flat fee for our ongoing advice and investment management, not a percentage of your investment portfolio.
$12,000 / year
Our annual fee includes comprehensive retirement planning and ongoing investment advice and management.
Every new client begins with the Hive Retirement Process™, where we work through the major financial decisions that shape retirement—including your spending, retirement income, taxes, investments, and legacy planning.
From there, we continue working with you throughout retirement as your circumstances, markets, tax laws, and financial decisions change.
Comprehensive Retirement Planning
Coordinate the financial decisions that shape your retirement.
Retirement Income Planning
Coordinate Social Security, pensions, savings, and portfolio withdrawals.
Lifetime Tax Planning
Manage taxes throughout retirement, including Roth conversions and RMDs.
Investment Advice & Management
Align and manage your investments to support your retirement plan.
Retirement Spending
Understand your spending and whether your resources can support it.
Legacy Planning
Coordinate your estate plan, beneficiaries, and account ownership.
Your Money, Your Choice
You are not required to transfer your investments to Hive.
If you would like Hive to manage your investments, investment management is included in the annual fee.
If you prefer to keep your investments with another custodian or financial institution, we can still provide investment recommendations and incorporate those assets into your retirement plan. You will be responsible for implementing trades, Roth conversions, withdrawals, and other transactions in accounts that Hive does not manage.
The fee is the same either way.
Who We Work With
Hive is designed primarily for people approaching or in retirement with $2 million to $10 million of investable assets who want ongoing help coordinating the major financial decisions that come with retirement.
One Fee. No Commissions. No AUM Pricing.
Hive does not sell financial products for commissions, and our advisory fee does not increase simply because your portfolio grows.
You pay Hive for ongoing retirement advice, not for the amount of money you move to us.