We design retirement plans and portfolios that are prepared for market downturns — not derailed by them.
Full-service wealth management for retirees and those approaching retirement.
CFA® Charterholder
CFP® Professional
Fee-Only
Flat Fee
What We Do
Planning and investment management, working together
Our service is built for families who have spent decades saving and investing and are now asking the harder questions: When can I retire? How much can I safely spend? How do I minimize taxes? What happens if the market drops 30% in my first year of retirement?
We build a plan around your life – not a cookie-cutter template – and manage your investments alongside it. Planning and portfolio management work together because the best tax strategy in the world does not matter if your portfolio is not built to support it.
Everything we do is ongoing. This is not a one-time binder that sits on a shelf. It is a relationship – regular meetings, proactive adjustments, and someone to call when life throws you a curveball.
What Clients Get
Comprehensive retirement wealth management
Planning
✓ Retirement income strategy – Turn your savings into a reliable paycheck, coordinating withdrawals with Social Security, pensions, and other sources.
✓ Lifetime tax strategy – Roth conversions, tax-efficient withdrawal sequencing, tax-loss harvesting, and year-end projections.
✓ Social Security optimization – Claiming analysis for individuals and couples to maximize lifetime benefits.
✓ Insurance and risk review – We do not sell insurance – we analyze what you need and coordinate with trusted brokers.
✓ Estate planning coordination – Beneficiary reviews, estate document guidance, and collaboration with your attorney.
✓ Employee benefits analysis – 401(k), pension decisions, stock options, RSUs, and deferred comp.
✓ Other financial decisions – Charitable giving, debt, real estate, healthcare in retirement, and more.
Investment Management
✓ Disciplined, evidence-based management – Managed by a CFA Charterholder. Built on Nobel Prize-winning research: diversified, low-cost, factor-tilted. No stock-picking. No market timing.
✓ Tax-smart implementation – Asset location across account types, tax-loss harvesting, and strategic rebalancing.
✓ Ongoing monitoring and rebalancing – Cash deployment, withdrawals, and tactical adjustments as your plan evolves.
✓ Accounts held at Schwab or Altruist – Independent custodians that safeguard your assets separately from our firm.
Support and Access
✓ Two strategy meetings per year – Comprehensive plan updates, tax projections, and goal tracking.
✓ On-demand access between meetings – Phone, email, video, or in-person. When a question comes up, you have someone to call.
✓ Professional network coordination – We work with your CPA, attorney, and insurance broker. We will make introductions from our vetted network.
✓ Real-time financial dashboard – Your complete picture through RightCapital: net worth, cash flow, performance, and projections – accessible anytime.
How We Work Together
Your first 90 days with us
1
Discovery Call
30 minutes – Complimentary
A conversation to see if there is a fit. We will learn what is on your mind, what you are looking for in an advisor, and whether our expertise aligns with your situation. No pressure, no sales pitch.
2
Retirement Roadmap™
One meeting – Complimentary
This is our signature process. Before we meet, you will share your financial information through a secure portal. We will do the homework upfront so we can use our time together to walk through a high-level roadmap showing what we would focus on as your advisor. You will walk away with clarity – whether or not you hire us.
3
Onboarding and Data Gathering
Weeks 1-4 as a client
After signing the engagement agreement, we will collect everything: investment statements, tax returns, insurance policies, employee benefits, estate documents. We will transfer your accounts to Schwab or Altruist and begin building your financial dashboard.
4
Your Financial Plan
Weeks 4-8
We will deliver your comprehensive financial plan: retirement income projections, tax strategy, Social Security analysis, insurance review, estate planning recommendations, and investment portfolio construction. A working document – not a binder for a shelf.
5
Ongoing Management and Support
Continuous
From here, it is an ongoing relationship. Two formal strategy meetings per year, proactive tax planning, portfolio monitoring and rebalancing, and on-demand access whenever you need us.
Ongoing Service
What a year looks like as a client
Q1 – January through March
Year-end tax summary and review. Begin current-year tax planning and projections. Rebalance portfolios as needed.
Q2 – April through June
Spring strategy meeting – comprehensive plan update. Review your tax return. Midyear investment review. Insurance check-in. Address life changes.
Q3 – July through September
Midyear tax projection and Roth conversion analysis. Social Security and Medicare planning updates. Portfolio review and rebalancing.
Q4 – October through December
Fall strategy meeting – year-end planning. Final tax-loss harvesting and Roth conversion decisions. Charitable giving. Beneficiary review. Set goals for the coming year.
Throughout the Year: On-Demand Access
Phone, email, video, or in-person – whenever a financial question comes up. We are here between meetings, not just during them.
★ ★ ★ ★ ★
[Greg Springer full Wealthtender review goes here – covers the journey from first meeting through implementation.]
– Greg S., client since 2024
Pricing
Transparent, predictable pricing
$15,000 / year
Billed quarterly ($3,750/quarter)
This includes everything: financial planning, investment management, tax strategy, and ongoing support. There are no additional charges for meetings, phone calls, or plan updates.
Situations with above-average complexity – such as taxable accounts exceeding $1 million, closely held businesses, or multiple real estate investments – will result in a custom proposal above our minimum.
Fee Comparison
What most advisors charge (and why we do not)
Most financial advisors charge a percentage of your portfolio – typically 0.5% to 1.5% per year. That percentage might sound small, but look at what it actually costs:
With a flat fee, your cost does not rise as your portfolio grows. The better we do our job, the more you save compared to a percentage-based advisor.
Ideal Client
Is this a fit?
We work with a small number of families – intentionally. Our clients typically share a few things in common:
✓ You are within 5 to 10 years of retirement, or you have recently retired.
✓ You have accumulated $750,000 or more in investable assets through years of disciplined saving.
✓ You want a professional managing your investments – not just advice you have to implement yourself.
✓ You value a plan that accounts for taxes, income, insurance, and estate planning – not just a portfolio.
✓ You would rather pay a predictable flat fee than a percentage that rises as your portfolio grows.
Many of our clients are engineers and executives from companies like RTX (Raytheon), Lockheed Martin, and Northrop Grumman – analytical professionals who appreciate evidence-based management and detailed planning.
We intentionally keep our client base small so every family receives our full attention. When you call, you get Allen – not a call center.
★ ★ ★ ★ ★
[Win Barsachs short review goes here – mentions guardrails approach and confidence in long-term goals.]
– Win B., client since 2024
Ready to see what a real retirement plan looks like?
The first step is a 30-minute discovery call – no cost, no commitment, no sales pitch. If there is a fit, we will invite you into our complimentary Retirement Roadmap – a single focused meeting where we will dig into your finances and show you exactly what we would focus on together. You will walk away with clarity – whether or not you hire us.
Or visit YourRetirementRoadmap.com to learn more about the process.
We do things differently here.
7 Saturdays Financial is proud to be a flat-fee wealth management firm.
That means a flat annual fee (in dollars), including investment management.
This modern pricing model is transparent, reduces conflicts of interest, and is
often a better value than asset-based pricing.
Full-Service Wealth Management
Financial planning and investment management with on-demand access to your advisor
PLANNING
Retirement plan optimization
Investment management
Lifetime tax strategy
Tax-efficient charitable giving,
Insurance guidance,
and more
SUPPORT
Expert guidance from a CFA
Charterholder and
CFP® Professional
Two formal Strategy meetings
per year
On-demand support via phone,
email, in-person/Zoom meetings
Collaboration with other
service professionals
RESOURCES
Financial planning dashboard
Cash flow / budgeting tool
Real-time monitoring
Secure file vault
Ongoing services may be the best fit if:
✓ You prefer to delegate
✓ You want guidance on many different topics as they come up
✓ You'd like to spend less time managing your finances
✓ You want continuing support from a trusted guide
Financial Planning +
Investment Management
Minimum Fee
Includes professional management
of a diversified,
low-cost portfolio
$12,000
/year
Situations with above-average complexity will result in a proposal higher than our minimum.
Full-Service Wealth Management
Financial planning and investment management
with unlimited access to your advisor
PLANNING
Retirement plan optimization
Investment management
Lifetime tax strategy
Tax-efficient charitable giving,
insurance guidance,
and more
SUPPORT
Expert guidance from a
CFA Charterholder and
CFP® Professional
Two formal Strategy meetings
per year
On-demand support via phone,
email, in-person/Zoom meetings
Collaboration with other
service professionals
RESOURCES
Financial planning dashboard
Cash flow / budgeting tool
Real-time monitoring
Secure file vault
Ongoing services may be the best fit if:
✓ You prefer to delegate
✓ You want guidance on many different topics
✓ You'd like to spend less time managing your finances
✓ You want continuing support from a trusted guide
Financial Planning +
Investment Management
Minimum Fee
Includes professional management
of a diversified, low-cost portfolio
$12,000
/year
Situations with above-average complexity will result in a proposal higher than our minimum.
Unfortunately, the legacy “percent of assets” model can cause high-net-worth families to overpay for wealth management.
Use this table to understand the fees you’re paying to your current advisor.
| Portfolio Value | 0.5% Fee | 1.0% Fee | 1.5% Fee |
|---|---|---|---|
| $1,000,000 | $5,000 | $10,000 | $15,000 |
| $2,000,000 | $10,000 | $20,000 | $30,000 |
| $3,000,000 | $15,000 | $30,000 | $45,000 |
| $4,000,000 | $20,000 | $40,000 | $60,000 |
| $5,000,000 or more | You probably | don’t want | to know! |