Start With A Plan—Not A Portfolio Transfer
Most firms want to manage your entire portfolio from day one. We don’t.
Instead, we begin with a flat-fee, planning-only engagement designed to give you real answers—before you commit to anything long-term.
The Retirement Readiness Roadmap™
Our 4-month financial planning-only engagement is built to address every key area of your retirement.
The Retirement Readiness Roadmap™ is a comprehensive, step-by-step process designed to help you retire with clarity and confidence.
Watch the short video to see exactly how it works and what’s included.
Are We a Fit?
Let’s kick things off with a 45-minute consultation to see if we’re a good fit.
We’ll learn about your goals, and you’ll get to know us—because finding the right advisor should feel like finding the right guide.
Finding the right fit matters. After all, you wouldn’t go to a cardiologist for knee surgery!
Discovery Meeting
After you’ve had a chance to sleep on it and have decided to move forward, we’ll start our relationship with a one-hour discovery meeting.
Unlike much of the industry, we design your financial plan around you—not the other way around. During this one-hour meeting, we’ll explore your financial situation, goals, and concerns in depth.
Income Planning
We’ll map out your retirement income sources—Social Security, pensions, investments—and show how they work together to fund your ideal lifestyle.
You’ll see exactly how and when to draw from your accounts using a sustainable “bucket” strategy designed to reduce stress during market volatility.
Tax Planning
Taxes can quietly erode your wealth if you’re not looking ahead.
In this meeting, we’ll build a long-term tax strategy designed to reduce what you owe across retirement—not just this year. That includes proactive Roth conversions, smart withdrawal sequencing, and charitable tools that can save thousands.
Investment Alignment
Your investments should serve your retirement plan—not the other way around.
In this meeting, we’ll review your current accounts and ensure your portfolio is aligned with your goals, time horizon, and comfort with risk. We'll also explore tax efficiency and introduce a long-term investment policy built for real-life retirement needs.
Estate & Legacy Planning
This session ensures that the right people, not the probate court, are in charge of your legacy.
We’ll review your wills, trusts, and beneficiary designations—then help you think through how to simplify, protect, and pass on your wealth in line with your values.
Plan Delivery & Action Plan
To wrap up your Retirement Readiness Roadmap™, we’ll meet to review and deliver your plan as a whole in plain English, summarizing our findings and personalized recommendations.
You’ll walk away with clarity, confidence, and a prioritized action plan you can follow.
We’ll also discuss what ongoing support could look like if you decide to continue working with us. Through our Ongoing Wealth Management Services, we’ll partner with you to adjust your plan and guide you through any changes, ensuring you stay on track toward your goals.
Financial Services That Go Further
From growing your wealth to planning for life’s transitions, we handle more so you can focus on what matters. It’s financial planning, done better.
Transparent Pricing for a Comprehensive Plan
The Retirement Readiness Roadmap™ is a flat-fee, planning-only engagement. It spans 4 months and includes a comprehensive review of your retirement income, taxes, investments, estate planning, and more.
The total fee ranges from $5,000–$12,000 and is split into two parts:
- Retainer (50%) – Due upon signing, this secures your planning start date.
- Balance (50%) – Paid in equal monthly installments over the 4-month engagement.
In exchange, you’ll receive a personalized, high-touch planning experience from a fiduciary partner—without any requirement to move your assets or commit to ongoing investment management.
*Financial planning clients are NOT required to engage our firm in a wealth management relationship.
Ongoing Wealth Management
After the completion of a financial plan (our Retirement Readiness Roadmap™), you may want to continue working with Demars Financial Group. That's where our fee transitions to a percentage of AUM (Assets Under Management.)
Our straightforward AUM pricing ensures you know exactly what you’re paying for—no surprises. With competitive fees and a focus on delivering real results, our goal is to maximize the value of every dollar invested and planned for.
Those Working With us on an Ongoing Basis Receive...
For those who continue to work with us for Ongoing Wealth Management, we further support your financial goals with additional services, including:
Let’s Talk and See if We’re a Fit!
We’ll talk through where you are now, where you want to be, and how we can help you get there—starting with just a simple, easygoing chat.
