Planning Services
This is for new clients who are retired or within 5 years of retirement.
This is for early/mid-career. This is not suitable for those who are retired or plan to retire within the next 5 years.
Choose one service from the options below. These are the only services currently being offered.
Comprehensive Financial Plan
If this is our first time working together and you're retired or within 5 years of retirement, a full analysis and action plan is the place to start. In order to maintain the quality of the financial plan, make informed recommendations, and adhere to compliance requirements, Layered Financial does not advise on narrow topics without understanding your complete financial picture. Standalone investment recommendations or TSP strategy is not a service we currently offer. With a comprehensive plan tailored to you, based on your full financial picture, you're going to get actionable tasks to continue down the path to financial success.
Fee:
$4,000 Single
$6,000 Couple
Topics May Include
Our average comprehensive plan covers 20+ topic areas and generally takes 30-60 days from initial data gathering to final plan presentation.
Values &
Goal Setting
Retirement
Planning
Tax
Strategy & Options
Risk
Profile​​
Asset Allocation & Asset Location
Risk Management & Insurance
Cash Flow
Analysis & Net Worth
Debt
Management
Estate
Planning
Investment Analysis & Strategy
Education
Funding
Social Security Claiming
Basic Federal Employee Assessment
This federal pension and investment analysis service is appropriate for early and mid-career professionals. This is not a comprehensive plan. This option is not suitable for those who are already retired or will be retiring within 5 years. If you are retired or retiring within 5 years, it would be more appropriate to receive a full comprehensive plan that looks at current and future income sources, cash flow analysis, total portfolio review (retirement and non-retirement accounts), account structure, distribution strategy, safe withdrawal rates, Social Security claiming strategy, Medicare considerations, tax planning (Roth conversions, RMDs, etc.), long-term care, legacy goals, etc.
The Basic Federal Employee Assessment covers:
(1) Are your investments (TSP, IRA, brokerage accounts) aligned with your goals?
(2) Should you contribute towards Roth, traditional, or both?
(3) Let's take a look at fees, complexity, asset allocation, and tax efficiency (asset location).
(4) What will your monthly paycheck look like when you retire. Will you receive the Retiree Annuity Supplement? How will taxes come into play?
Fee: $2,000 per employee
Annual Review/Follow-Up
This is our chance to catch-up. This service is appropriate for those who have already received a full comprehensive financial plan. We recommend a follow-up meeting/review of the full plan at least annually to ensure your values and goals are still aligned with the previously established plan. This service will not result in a full comprehensive financial plan. The financial planning agreement will outline the individual topics that will be covered.
Fee: $1,000 Single
$1,500 Couple
Topics May Include
Review prior plan and ensure goals are still aligned
Review investments and determine rebalancing needs
Run income projections to identify shortfalls or surplus
Discuss any changes to IRS limits, tax laws, or employee benefits