Services
01 - OUR PROCESS
You saved well. Now you have about 12 decisions to make. Some of which are permanent.
Retirement planning for Wichita households who want a real plan, not a portfolio pitch.
Most people walk in thinking they have a money problem. They don't. They have a clarity problem.
You have worked hard. You have saved. The math says you are probably fine. The feeling in your gut says maybe not. And now you are being asked to make decisions about retirement, taxes, healthcare, and family at the same time... with conflicting answers from calculators, artificial intelligence, articles, and friends who mean well. But no one has helped you answer the most important question first... what is your money actually for? You don't need more information. You need help with that very important question.
There are four layers to the answer. Most firms only with on the first one.
Life-Changing
Functional
Social Impact
What outlives the money.
Money connected to meaning.
Emotional
How working
together feels.
The work itself.
The Pyramid of Financial & Life Plannning
Bain & Company identified four layers of customer value. Most firms stop at the first one. We use all four because the plan that fits your actual life uses all four.
FIDUCIARY FEE-ONLY FOR THE LONG RUN
The bottom layer is what most firms do and call it planning. Investments, taxes, estate, insurance, retirement math. This is incredibly important, but it is table stakes. It is just the price of admission.
The real value is what's further up. Money connected to meaning. Your meaning. Plans built around your actual life. A relationship that grows deeper over time. Wealth that is ready for the people who come next.
That is the value of working with a real financial planner. Here is how it flows: how we work together, why people hire us, what gets done across the year, and what our fee is.
02 - FOUR STAGES
How we work together.
The True Wealth Process. Four stages. Each one builds on the last.
Knowing the answer is one thing. Getting there is another. Here's how the work flows.
01
Explore.
The Get Acquainted Meeting.
No pitch. No products. No pressure. We learn your situation. You learn how we work. We decide together whether this is a fit.
03
Envision & Enlighten.
Build, present, refine.
We go deeper into goals and values, then build the plan. Recommendations tied to what matters most to you. The plan is presented and refined together.
02
Engage.
Our first working meeting.
We dig into goals and values. What is your money actually for? What does a good life look like for you? This is where the plan starts being yours, not a template.
04
Empower.
The ongoing partnership.
Two strategy meetings a year. Monthly portfolio work. Year-round access for whatever comes up. Coordination with your CPA, attorney, and insurance providers. Year two and beyond. This is where the relationship compounds.
This is our rhythm. It is what makes us different from every other firm.
03 - WHAT MAKES US DIFFERENT
Why our clients hire us.
Four reasons. This is what our fee actually buys.
01
You are not a number on a list.
Our firm caps at around 100 clients. When you call, we know your name, your story, and what's going on in your life. No junior advisor on the other end. No B-team. Most firms run 300 to 500 clients and hand you off by year two. We do not.
02
Twelve decisions. One person actually coordinating them.
Most advisors manage portfolios. We manage the decisions around the portfolio. Taxes. Withdrawals. Social Security. Medicare. Spouse scenarios. Retirement timing. They all touch each other. We coordinate them so you do not have to.
03
We do not receive kickbacks.
Fee-only. Fiduciary. No insurance products. No commissioned mutual funds. No referral fees. The advice is the only product. If it is not in your interest, we will not recommend it.
04
We have seen your complexity before.
Whether you are a Textron employee, business owner, or thinking about retirement, this isn't our first rodeo. Healthcare bridges. Roth conversions. Social Security claiming windows. IRMAA brackets. NUA rollovers. RSU vesting timing. Pension versus 401(k). Business owner exits. Equity compensation. The 18 Textron-specific things most advisors miss entirely. We have run all of it. Multiple times. For people in your exact situation.
That is what our fee buys. Now here is what one year of it actually looks like.
04 - SERVICE OVERVIEW
What gets done across the year.
Twelve months. Not an annual meeting with a holiday card in between.
The Wichita Wealth Service Calendar
A year-round rhythm. Not a meeting cadence.
Two anchor meetings per year. Twenty-four client memos. One consistent rhythm.
With you for the long run.
Plus everything that doesn't fit on a calendar. The phone calls. The emails. The questions. The market panics. The life events. Year-round access. No exceptions.
That is the work, twelve months our of the year. Now, here is what it costs.
05 - PRICING
What our fee is.
Two options. No mysteries. No surprises.
You've seen the work. Here is what it costs.
There are two ways we can work together. You decide which one fits your needs. The minimum is the same for both. The average range is the same for both. The structures are different because what fits a self-manager is different from what fits someone who wants us to handle the day-to-day.
So, here is the question:
Yes
Do you want us to manage your investments?
No
AUM
Keep your accounts where they are.
MINIMUM
$5,000 per year
AVERAGE
$7,500 - $15,000 / year
HOW IT'S BUILT
1.5% on first $1M
1.0% above $1M
All-inclusive.
Plan + management.
We handle all the details.
Flat Fee
MINIMUM
$5,000 per year
AVERAGE
$7,500 - $15,000 / year
HOW IT'S BUILT
$2,000 base
+ $1,500 per account
+ $400 per service module
+ complexity adjustments
REVIEWED ANNUALLY.
That covers everything in the calendar above. The two strategy meetings. The monthly portfolio work. The bi-monthly memos. The year-round access. The coordination with your CPA, attorney, and insurance providers. No add-ons. No invoices for a phone call.
If you want the case for why this is what it costs to invest in good planning, the whitepaper below goes into deeper detail.
06 - WHITEPAPER
The case for what good planning costs.
Cost vs Value.
Vanguard Advisor Alpha, Kitces research, and season-by-season calendar.
We send the details to your inbox.
One email. The whitepaper. No follow-up sequence.
Questions?
Give us a call.
(316) 722-1010
