Do you have to move into ongoing wealth management?

No. The Retire Ready Roadmap™ is a standalone engagement. You pay for the plan. You keep the plan. What you do with it after is entirely up to you. Some clients take the plan and execute it on their own. Some bring it to their current advisor. Some decide to continue with MOKAN for ongoing implementation. All three are valid. The goal of the plan is to give you clarity and options, not to create a dependency. Ongoing wealth management is available if you want someone running the plan for you on an ongoing basis. It is never required.

Are there any commissions or hidden costs?

No. The relationship is fee-only and commission-free. No products are sold, and there are no trade costs in the ongoing relationship.

How does the ongoing relationship fee work?

The fee is a percentage of the value of the investments managed, debited directly from your account on a monthly basis, calculated in arrears. You have full transparency on total fees paid, and are provided fee invoices every time inside of your Altruist document vault.

Our Fees

What You Pay

One builds your plan. One keeps it working. Here's exactly what each costs, and when it's due.

See if You're a Fit

The Full Breakdown

Every number, in one place.

No line item buried in fine print. Here's what you'd pay at each stage.

FeeCostWhat's Included

Retirement Fit Meeting

A complimentary 45-minute meeting to discuss the retirement decisions in front of you and whether the Retire Ready Roadmap™ is the right next step. Together, we talk through your priorities, explain what the one-time $4,500 Roadmap build includes, and decide whether it makes sense to move forward.

Retire Ready Roadmap™

$4,500

The one-time $4,500 Roadmap build creates a personalized, tax-first retirement plan. It works through 25 questions using your specific numbers across five planning areas, designed to address nine common tax surprises.

Ongoing Relationship

1.0% – 1.5%

Optional. Annual rate on assets managed, billed directly from your account. Includes ongoing tax planning, investment management, and financial planning. Six touchpoints throughout the year: quarterly phone calls and two semi-annual reviews.

Why a Planning Fee

Planning leads, because planning is where the real money is either kept or given away.

Many retirement projections come from generic software. A plan built around your numbers takes more work, and that work is what the planning fee covers.

With a large balance in pre-tax accounts, the tax decisions made in the next five to ten years will determine more of your outcome than any investment return. That work requires a specialist. And specialists charge for the work.

The goal is simple. Build a plan around your numbers, help you avoid costly mistakes, and give you a clearer picture of your taxes before you decide what to do next.

Common Questions

Fee questions, answered.

No. The Retire Ready Roadmap™ is a standalone engagement. You pay for the plan. You keep the plan. What you do with it after is entirely up to you.
Some clients take the plan and execute it on their own. Some bring it to their current advisor. Some decide to continue with MOKAN for ongoing implementation. All three are valid. The goal of the plan is to give you clarity and options, not to create a dependency.
Ongoing wealth management is available if you want someone running the plan for you on an ongoing basis. It is never required.

Next Step

Start with a plan, not a portfolio transfer.

You've saved for decades in 401(k)s and IRAs, and the taxes on that money haven't been paid yet. A Retirement Fit Meeting gives you a clearer picture of how taxes may affect your retirement income, even if you decide not to move forward.

See if You're a Fit