Our Services
Planning built around the decisions that are too important to get wrong.
Imperative Wealth Planning offers two core services — financial planning and investment management — designed to work as one coordinated strategy, not two separate exercises.
Ongoing Financial Planning
Retirement is not a one-time event — it is a 20–30 year phase of life that requires active, ongoing attention. The planning relationship at Imperative Wealth Planning is built around that reality. Fred works directly with each client to navigate significant financial decisions as they arise — not just at the start of the relationship, but throughout it.
A financial plan is only as useful as it is current. Plans are built, then maintained — adjusted as tax laws change, as personal circumstances evolve, and as the financial landscape shifts.
What's included
Comprehensive retirement income planning — how much you can spend and from where
Social Security optimization — timing, filing strategies, spousal coordination
Pension analysis — single life, joint survivor, lump sum comparison
Roth conversion planning and multi-year tax projection
Required minimum distribution planning and sequencing
Medicare planning — enrollment windows, plan selection, IRMAA management
Estate planning coordination — beneficiary review, titling, trust integration
Charitable giving strategies — QCDs, donor-advised funds, charitable trusts
Family gifting and wealth transfer strategies
Annual financial plan reviews and proactive updates
Pricing: Ongoing Financial Planning Starts at $3,500/year