The Hive Retirement Process™
Retirement brings a lot of financial decisions. We help you make them in the right order and put them together into one plan.
It starts with a short introductory call. You tell us where things stand, we explain how we work, and we both decide whether it's a good fit. There's no cost and no obligation.
01 YOUR STARTING POINT
We organize your financial information, including your accounts, income, insurance, and estate documents. We also discuss your retirement goals, priorities, and any important decisions ahead.
02 YOUR EXPENSES AND YOUR RETIREMENT PAYCHECK
We review what you spend today and develop a retirement income strategy that brings together Social Security, pensions, investments, and other income sources. The goal is to understand how much you can comfortably spend throughout retirement.
03 YOUR TAX STRATEGY AND YOUR INVESTMENTS
We develop a coordinated approach to taxes and investments throughout retirement. This includes Roth conversions, withdrawal strategies, RMDs, Medicare-related tax considerations, investment allocation, and how your portfolio supports your retirement income needs.
04 YOUR LEGACY
We review how your estate documents, beneficiaries, account ownership, and financial arrangements work together. We also consider what happens if you need assistance, how a surviving spouse would manage the financial plan, and how to make things easier for the people who may eventually step in.
Choose the support that fits you
You can start with a focused four-meeting plan or choose ongoing planning from the beginning. If you start with the focused plan and later decide you’d like ongoing help, that’s fine too. Either way, you begin with the Hive Retirement Process™.
One-Time Plan
The Hive Retirement Process: four meetings and a completed plan. You carry it out on your own or with your other advisors. There's no ongoing commitment.
One-Time Retirement Plan: $8,500 for the four-meeting engagement, with 50% paid upfront and 50% upon completion.
Ongoing Planning
Everything in the One-Time Plan, plus ongoing help putting your plan into action. We meet twice a year to keep it current and are available as decisions come up. We can help manage your investments, coordinate retirement income, and revisit tax strategies, including Roth conversions and required minimum distributions.
Ongoing Financial Planning: $12,000 annually, including comprehensive planning and investment management. The initial $8,500 planning fee is credited toward the first year if the client transitions to ongoing service.
Advice without an agenda.
Flat-Fee Planning
You'll know what you're paying before we start. Our fee doesn't change with the size of your accounts or the products you use.
Fiduciary Advice
We're obligated to put your interests first. We don't sell financial products or receive any commissions for referrals.
Your Money, Your Choice
You don’t have to move your accounts to Hive. If we manage your investments, we can help carry out the recommendations in your plan. If you prefer to keep your accounts where they are, we’ll provide recommendations for you to implement.