Financial Planning Retirement Planning

Your Future Starts Today Planning for Financial Independence

When it comes to planning for retirement, it pays to get organized. Starting your retirement portfolio sooner rather than later gives you the time to make small changes that can have a big impact down the road. We help you make sure you're saving the right amount in the right locations to accomplish your goals. We help you turn your savings plan into a spending plan.

Whether you need a little help or a comprehensive retirement plan, we get to know you and your goals to help set you up for success.

  • Determining when you have enough that you don't need your work income anymore

  • Analyzing your existing portfolio to make sure you're on the right course

  • Helping you create a retirement timeline and a plan to get there

  • Determining how much you should be putting away for retirement at each phase of life

  • Evaluating your investments and providing recommendations

  • Creating a retirement budget

Seeing the Bigger Picture A Retirement Planner You Can Trust

It is easy to find solutions that work for "most people" or rules of thumb.  We go beyond that, to develop the recommendations that matter most to you.

Too often, we are bombarded by people selling the next great investment vehicle. We believe that the vehicle is important, but it's just as important to park it in the right place, taking cost, taxes, and your goals into consideration. 

Our Process Getting Started with Retirement Planning


We want to know you— your goals, concerns, dreams and values. During your initial meeting, we’ll spend time finding out who you are and what you want your money to do for you. We'll answer any questions you have and let you decide if we're the right firm for you.

Collaborative Review

We'll get to work creating a plan, and when it's finished, we'll schedule a follow up appointment where we will present the recommendations. We really value your input and will be happy to implement any changes you would like to see. 

Implementation Meeting

Once you are completely comfortable with the plan as presented, we’ll have you fill out paperwork to open any necessary accounts and assist in any transfers from other financial institutions. Over time, we'll stay as involved as you'd like us to be.

Working with Us Transparent, Upfront Pricing

Unlike most financial advisors, we believe in complete and total transparency when it comes to pricing. We also believe that you should only have to pay for the services you need. That's why we work hourly—no hidden fees or unexpected costs here. Plus, we're able to offer special pricing for families and non-profits.

How Much Does it Cost? Financial Planning Fees

LRIA typically charges a fixed fee and/or hourly fee for financial planning services. These fees are negotiable, but generally range from $250 to $2,000 on a fixed fee basis or from $50 to $300 on an hourly rate basis, depending upon the level and scope of the services and the professional rendering the services. If the client engages LRIA for additional investment advisory services, LRIA may offset all or a portion of its fees for those services based upon the amount paid for the financial planning and/or consulting services.

Administrative $50 / Hour
Para Planner $250 / Hour
Junior Advisor $250 / Hour
Senior Advisor $300 / Hour

All accounts require a $500 down payment.

These services may be included in our ongoing wealth management services. Click here for pricing.