All-Inclusive Planning + Investments
We combine ongoing financial planning and investment management to help you build a work-optional lifestyle.
Who We Do Our Best Work With
Our clients are high-earning professionals and pre-retirees at a turning point. The income is strong, the years have been busy, and the question becomes less about earning more and more about what comes next.
Helping You Make the Shift to Work-Optional
We build the plan that gets you there: a clear path from a demanding career to the freedom to choose when, whether, and how you keep working. Along the way we handle the planning that defines this stage of life:
- Plan multi-year taxes, coordinating bonuses, stock compensation like RSUs, and other opportunities.
- Save tax-efficiently through your highest earning years.
- Evaluate deferred compensation, Roth strategy, and 401(k) optimization.
- Turn years of savings and investments into reliable, tax-efficient income.
- Know your number, and the path to reaching it.
What’s Included?
Work-Optional Planning
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- Planning for a work-optional lifestyle
- Retirement income planning and Social Security optimization
- Proactive tax planning
- Risk management and insurance review
- Estate planning coordination
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Planning While Working
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- Employee benefits optimization (401(k), HSA, ESPP, insurance)
- Strategy for RSUs and other forms of equity compensation
- Concentrated stock strategy
- Deferred compensation planning
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Investment Management
- Globally diversified, tax-efficient portfolio construction
- Tax-aware portfolio transitions designed to minimize unnecessary capital gains
- Ongoing portfolio monitoring and disciplined rebalancing
- Direct access to your investment manager
- No minimum asset level required to implement your plan
Ongoing Partnership
- Two structured strategy meetings per year, with additional meetings as needed
- On-demand check-ins
- Unlimited email access
What It Costs
$12,500 per year
Flat, for households with up to $5M in managed assets.
$1,000 one-time onboarding fee.
At $2M that is about 0.6%. At $4M, about 0.3%. The more you accumulate, the less you pay as a percentage.
What This Means for You
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- No commissions, product sales, or hourly billing.
- No surprise charges.
- Your fee is not a percentage of your portfolio.
- So our advice is not driven by moving more assets under management.
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How Our Fee Structure Compares
Our all-inclusive flat fee is most cost-effective for households above roughly $1.25M in investable assets. Below that, a traditional percentage-of-assets fee may cost less.
| Portfolio Value | Safe Landing Financial | 1% AUM | 1.25% AUM | 1.5% AUM |
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| $1M | $12,500 | $10,000 | $12,500 | $15,000 |
| $2M | $12,500 | $20,000 | $25,000 | $30,000 |
| $3M | $12,500 | $30,000 | $37,500 | $45,000 |
| $4M | $12,500 | $40,000 | $50,000 | $60,000 |
| $5M | $12,500 | $50,000 | $62,500 | $75,000 |
Above $5M, a 0.25% marginal fee applies to reflect additional planning complexity. For example, a $7M household pays $12,500 plus 0.25% on the amount above $5M, or $17,500 total.
Interested in working together?
Learn more about our complimentary 4-step process sharing how to minimize taxes, invest smarter, and make work optional. This process is designed to help decide if working together makes sense.