A comprehensive approach to investments, taxes, retirement income, Social Security, insurance, and estate planning, with ongoing advice as your circumstances, the tax laws, markets, and the world around you change.
Your investments are only one part of your financial life. We bring the pieces together so you can make better decisions with your money, now and in the years ahead.
We look at the full picture, including your goals, cash flow, investments, taxes, and major financial decisions. We help you understand where you stand, weigh your options, and make decisions with the future in mind.
We help you determine when you can retire, how much you can comfortably spend, and how to turn your wealth into sustainable income. We consider Social Security, taxes, investments, healthcare, and the life you want to live.
Your investment strategy should reflect your goals, time horizon, risk tolerance, tax situation, and need for future income. We focus on diversification, costs, tax efficiency, and a long-term approach.
We look ahead for opportunities to reduce taxes and improve the after-tax outcome of your financial decisions, including Roth conversions, investment gains, charitable giving, and retirement withdrawals.
We help organize your wealth around the people and causes that matter to you, from beneficiary and inheritance decisions to charitable giving and wealth transfer. When needed, we coordinate with your estate planning attorney.
We help you navigate equity compensation, employee benefits, business ownership, real estate purchases, debt, and other major financial decisions where the right choice can have a lasting impact.
The RetireWell Process™
A structured planning process designed to help you understand:
A structured financial plan to guide retirement decisions.
Ongoing portfolio management aligned with your financial plan.
Assets are held at Charles Schwab, Inc.
We follow a structured, process designed to bring clarity, reduce uncertainty, and support confident financial decisions at every stage.
We get to know your situation, answer your questions, and make sure we're a good fit.
We take a deep dive into your finances, goals, tax situation, and retirement timeline.
We build a clear, integrated strategy covering income, investments, and taxes, tailored to you.
We put the plan into action and coordinate every moving part.
We review, adjust, and evolve your plan as your life and goals change.
As a fee-only fiduciary, Inclinevest is paid directly by our clients. Our primary advisory relationship combines investment management with ongoing financial planning and advice, helping you make informed decisions across your financial life.
The difference isn't just how we charge.
Many investment firms primarily focus on managing the assets in your portfolio. Inclinevest takes a broader approach. Your investments are connected to your taxes, cash flow, retirement income, estate plans, employee benefits, equity compensation, major financial decisions, and the other pieces of your financial life.
The exact services offered by other firms vary by advisor and relationship. This comparison illustrates the broader scope of Inclinevest's primary advisory relationship.
Primary fee structure
Asset-based fees generally range from 0.50% to 1.50% annually, with lower rates applying as the portfolio grows. Most clients fall within an effective rate of 0.50% to 1.00%.
The fee covers the ongoing advisory relationship, including investment management, financial planning, and ongoing guidance.
Alternative arrangement
Flat annual fees may be appropriate when the scope or complexity of your situation isn't well suited to an asset-based fee, including when a significant portion of your assets may not be managed by Inclinevest.
Annual fees generally range from $5,000 to $20,000 depending on the complexity and scope of the relationship.
Financial planning
Financial plans generally start at $2,500 for individuals and $3,500 for couples and increase with the complexity and scope of the engagement.
What does an asset-based fee look like?
For example, a 1.00% annual fee on a $1 million portfolio would be $10,000 per year. That fee covers the ongoing advisory relationship, not simply the management of the investment portfolio.
The value is in the decisions, not just the portfolio.
Financial decisions are interconnected. Investments, taxes, income, spending, estate planning, employee benefits, business decisions, and major purchases can all affect one another. We help bring those decisions together and adjust the strategy as your circumstances change.
The appropriate fee structure is based on your circumstances, the services you need, the complexity of your financial situation, and whether Inclinevest manages your investments.
We'll discuss your specific fee during our initial call, so you'll know exactly what you'll pay before deciding whether to move forward.
We work with high-income professionals and families who want, objective and ongoing guidance
5–15 years from retirement. Professionals preparing for retirement, with particular experience helping technology, aerospace, and defense professionals coordinate investments, taxes, income, equity compensation, and employer benefits.
You want clarity on when you can retire, how much you can safely spend, and how to turn a complex portfolio into a reliable, tax-efficient income stream, with a confidence score so you know exactly where you stand.
High income, growing wealth, and complex compensation. You want to reduce taxes, invest efficiently, and make the most of equity compensation, bonuses, and other benefits while building long-term wealth.
You're navigating a major financial event and want a thoughtful plan to protect and steward your assets.
Complex compensation, concentrated wealth, business interests, and planning around liquidity and retirement.
The first step is a brief introductory conversation. No pressure, no obligation, just a chance to see if we are the right partner for your next chapter.
Inclinevest specializes in wealth management and financial planning, helping individuals and families coordinate their investments, taxes, retirement, income, estate plans, and other major financial decisions.
We look at the full picture of your financial life, including your goals, cash flow, investments, taxes, retirement, estate plans, and major financial decisions. We help you understand your options and make decisions that work together.
Yes. Inclinevest provides ongoing investment management as part of its wealth management relationships. We custody client assets through Charles Schwab Inc. Portfolios are managed based on each client's goals, risk tolerance, time horizon, tax situation, and need for future income.
Yes. Tax planning can include Roth conversion strategies, withdrawal sequencing, RMD planning, capital gains management, charitable giving, and multi-year tax planning coordinated with your broader financial strategy.
Inclinevest charges either an asset-based fee or a flat annual fee, depending on the scope and complexity of the relationship. Asset-based fees generally range from 0.50% to 1.50% annually, with most clients paying an effective rate between 0.50% and 1.00%. Lower rates apply as your portfolio grows.
Inclinevest works with professionals, executives, business owners, retirees, and families who have meaningful financial decisions to make and want their investments, taxes, income, and other aspects of their financial life working together.
