Pricing
Clear, flat-fee pricing for retirement planning and investment management.
Hive Retirement Planning is a fiduciary financial planning firm. We charge a flat fee, not a percentage of your investment portfolio.
Every client begins with the Hive Retirement Process™: four meetings that cover your spending, retirement income, taxes, investments and legacy. After that, you choose how to continue.
One-Time Plan: $8,500
Four meetings of the Hive Retirement Process and a completed retirement plan. You carry out the recommendations yourself or with your other advisors.
If you ever continue with Ongoing Planning, the full $8,500 is credited toward your first year.
Ongoing Planning: $12,000 / year
The Hive Retirement Process, followed by two planning meetings a year and ongoing investment advice and management. Between meetings, we're available whenever something comes up.
What We Cover
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 your investments with your plan. Ongoing Planning clients can have us manage them.
Retirement Spending
See what you spend next to the paycheck your retirement plan can provide.
Legacy Planning
Coordinate your estate plan, beneficiaries and account ownership.
Flat Fee vs. Asset-Based Fees
Many financial advisors charge a percentage of the assets they manage. Even when those percentages decline at higher portfolio levels, the dollar amount you pay can still increase as your portfolio grows.
Ongoing Planning at Hive is a $12,000 annual flat fee for comprehensive retirement planning, investment advice and investment management.
Your Money, Your Choice
You are not required to transfer your investments to Hive.
We do our best work when we manage your accounts directly, because then we can carry out Roth conversions, withdrawals and other transactions for you, at the right time. For Ongoing Planning clients, investment management is included in the annual fee.
If you prefer to keep your investments with another custodian or financial institution, that's fine. We'll include those assets in your plan and give you our recommendations. You'll be responsible for carrying out trades, Roth conversions, withdrawals and other transactions in accounts Hive doesn't manage.
The fee is the same either way.
Who We Work With
Hive Retirement Planning is designed primarily for people approaching or in retirement with $2 million to $8 million of investable assets who want help coordinating the major financial decisions that come with retirement.
Retirement Planning Doesn’t Stop When Retirement Begins
Retirement brings ongoing decisions about spending, income, taxes, investments, Medicare, required distributions, Roth conversions and your legacy.
With Ongoing Planning, we continue working with you as those decisions and your life change.