Access Your Account

Experiences and Pricing

Phase 1

*Pricing is subject to change based on the complexity of the financial planning needs.

Grow

Best for working households who already have investment accounts and are looking for an advisor to optimize their finances. 

$1,500 - $3,000

Includes the following: 

  • 3-meeting planning experience
  • Unlimited email and phone access
  • Employer benefits review
  • Tax-savings opportunities
  • Investment review including 401(k), 403(b), 457(b), and TSP accounts
  • College savings strategies
  • Long-term retirement plan trajectory
  • Debt management recommendations
  • Estate planning education
  • Protection and risk management

Retire

Best for those with retirement on their mind (or already retired) who see value in receiving professional advice to help optimize irreversible retirement decisions.

$3,000 - $5,000

Includes everything from GROW, plus the following:

  • Social security analysis
  • Long-term care risk analysis
  • Tax efficiency planning
  • Retirement cash flow analysis
  • RMD planning and withdrawal strategies
  • Charitable giving advice
  • Business continuation planning
  • Referrals to CPAs, estate attorneys, insurance brokers, etc.

Comprehensive

Best for those who desire constructive legacy planning, which includes utilizing our broader professional team for estate planning.

$5,000 +

  • Includes everything from Grow or Retire, plus the following:
  • Generational wealth planning incorporating tax-efficient strategies
  • Personalized estate planning with documents finalized by a local attorney as needed (*up to $1,500):
    • Will
    • Durable Power of Attorney
    • Directive to Physician
    • Community Property Agreement
    • Credit Sheltered Trust
    • Children's Trust
    • Living Trust

Phase 2

In Phase 2, you engage with our firm on a continuing basis as we serve as your dedicated fiduciary asset managers. Our role is to provide proactive, personalized wealth management and financial planning, with your best interests as our guiding principle.

We charge an annual advisory fee that is structured as a percentage of the assets under our management. This fee arrangement ensures that our success is directly aligned with yours—the more your portfolio grows, the better we both do.

The management fee is negotiable, depending on the scope and complexity of the relationship, and is assessed and billed quarterly. Unless otherwise agreed upon in writing, the fee is calculated based on the market value of the assets in your account at the end of each calendar quarter.

Through this ongoing relationship, you gain access to our full suite of planning and investment services, regular reviews, and continuous monitoring of your financial plan, giving you clarity and confidence in pursuing your long-term goals.

In addition to the annual management fee, PPS Custom Program clients may pay transaction charges, administrative charges, and miscellaneous account fees and charges, as described in the Master Services Agreement (MSA) or PPS Client Agreement (as applicable) and Commonwealth’s ADV Part 2A Brochure.