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

Portfolio management at Imperative Wealth Planning is integrated directly into your financial plan — not treated as a separate service. Asset allocation, tax location, withdrawal sequencing, and risk management are coordinated with your income needs and tax situation from the start.

The investment approach is grounded in evidence: diversified, low-cost portfolios constructed to support a long-term income plan. Speculative positioning and return-chasing have no place in a retirement portfolio.

What's included

• Custom asset allocation aligned to your income needs and risk tolerance

• Tax-efficient asset location across taxable, tax-deferred, and Roth accounts

• Ongoing portfolio monitoring and rebalancing

• Tax-loss harvesting where applicable

• Withdrawal sequencing strategy — which accounts to draw from and when

• Required minimum distribution management

• Coordination with your overall financial plan

Pricing:

Investment Management fee is a blended rate. For Ongoing Financial Planning is included for clients with over $500,000 of assets managed.