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
Financial Planning & Investment Management
Our service is built for those who’ve 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 doesn’t matter if your portfolio isn’t built to support it.
Everything we do is ongoing. This isn’t a one-time binder that sits on a shelf. It’s a relationship: regular meetings, proactive adjustments, and someone to help when life throws you a curveball.
What Clients Get
Full-Service 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 & risk review: We don’t 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.
- ✓Other financial decisions: Charitable giving, debt, real estate, healthcare in retirement, and more.
Investments
- ✓Institutional-grade investment management: Run by a CFA Charterholder. Portfolios built on Nobel Prize-winning research: evidence-based, diversified, low-cost.
No stock-picking. No market timing. - ✓Tax-smart implementation: Asset location across account types, tax-loss harvesting, and strategic rebalancing.
- ✓Ongoing monitoring & 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
- ✓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. Don’t have the right team? We’ll 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
Our Process
A quick breakdown of our onboarding process and how we work with clients
1
Discovery Call
30 minutes · Complimentary
A conversation to see if there’s a fit. We’ll learn what’s on your mind, what you’re 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’ll share your financial information through a secure portal. We’ll do the homework upfront so we can use our time together to walk through a high-level roadmap showing what we’d focus on as your advisor. You’ll walk away with clarity — whether or not you hire us.
3
Onboarding & Data Gathering
Weeks 1–4 as a client
After signing the engagement agreement, we’ll collect everything: investment statements, tax returns, insurance policies, employee benefits, estate documents. We’ll transfer your accounts to Schwab or Altruist and begin building your financial dashboard.
4
Your Financial Plan
Weeks 4–8
We’ll 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
Tax Strategy Implementation
Weeks 8–12
We execute on the tax plan: Roth conversions, tax-loss harvesting, asset location optimization, and withdrawal sequencing. This is where planning meets action — coordinating with your CPA to ensure everything is implemented correctly.
∞
Ongoing Meetings and Value Adds
- ✓ Spring Strategy Meeting (March/April): Retirement income plan refresh, annual distribution and tax plan, preliminary Roth conversion strategy, and prior-year contribution review
- ✓ Fall Strategy Meeting (October/November): Comprehensive investment review, year-end tax planning, final Roth conversion review, and relevant tax law changes
- ✓ Tax Summary Letter (January): Year-end summary of all tax-relevant activity across your accounts
- ✓ Tax Return Review (Spring): 37-point checklist review of your filed return to catch missed opportunities
- ✓ Summer Value Add (Rotating): Insurance review, estate planning check-in, beneficiary audit, or unclaimed property review
- ✓ On-demand access: Phone, email, video, or in person — whenever a question comes up
∞
Tax Strategy Implementation
November / December
- ✓ Roth conversions
- ✓ Tax-loss and gain harvesting
- ✓ Year-end tax planning and projections
- ✓ Required Minimum Distributions
- ✓ Qualified Charitable Distributions
- ✓ Appreciated stock gifting
- ✓ Withdrawal sequencing and asset location optimization
★ ★ ★ ★ ★
“We have just wrapped up our first year of being a client of 7 Saturdays Financial and my wife and I could not be any happier with our decision to allow Allen to guide us on our financial journey. The entire process from the initial meeting to developing an unbelievably detailed plan to implementing the plan Allen has consistently taken the time to listen to our needs and then patiently explains the options. To sum up our experience I would say that Allen and 7 Saturdays Financial feels more like you are part of a team and not just a client. We are looking forward to many more years of being with the 7 Saturdays Financial team.”
— Greg S., client since 2023
The reviews displayed are from Wealthtender and are individual, subjective opinions of their respective authors. They do not represent the views of 7 Saturdays Financial. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
What It Costs
Transparent, predictable pricing
$12,000 / year
Billed quarterly ($3,000/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. These are examples; they are not an exhaustive list.
Fee Comparison
If you’re currently working with an advisor…
How much are you paying them?
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 | $12,000 |
| $2,000,000 | $10,000 | $20,000 | $30,000 |
| $3,000,000 | $12,000 | $30,000 | $45,000 |
| $4,000,000 | $20,000 | $40,000 | $60,000 |
| $5,000,000+ | You probably don’t want to know! | ||
With a flat fee, your cost doesn’t 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’re within 5–10 years of retirement, or you’ve recently retired.
- ✓You’ve 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’d 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.
★ ★ ★ ★ ★
“We have been working with 7 Saturdays Financial since 2024 and cannot say enough good things about Allen and his team. Their unique guardrails approach and detailed planning gives us the confidence that our long term retirement goals will be solid and achievable. Would highly recommend connecting with Allen!”
— Win B., client since 2024
The reviews displayed are from Wealthtender and are individual, subjective opinions of their respective authors. They do not represent the views of 7 Saturdays Financial. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
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’s a fit, we’ll invite you into our complimentary Retirement Roadmap™ — a single focused meeting where we’ll dig into your finances and show you exactly what we’d focus on together. You’ll walk away with clarity — whether or not you hire us.
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! |