Jim Saulnier & Associates, LLC offers tax-focused retirement planning, financial planning, and portfolio management services primarily for individuals and retirees. The firm operates under a fixed-fee model rather than charging a percentage of your portfolio value. For retirement planning, the firm delivers detailed video-recorded plans covering lifestyle expenses, income sources, survivorship, and tax strategies. For investment management, Jim Saulnier & Associates, LLC offers two options: an accumulation-focused service for those saving for retirement and a distribution-focused service exclusively for retirement planning clients who are regularly withdrawing from their accounts. The firm emphasizes a passive investment philosophy utilizing exchange-traded funds and mutual funds to emulate benchmark returns while maintaining a fiduciary duty to act in clients' best interests.
Fee Structure
Jim Saulnier & Associates, LLC charges fixed annual fees for portfolio management rather than a percentage of your portfolio. The total fee depends on the service option you choose and the number of accounts you have:
- Investment Model Service (for accumulation) — $4,700 per year management fee plus $100 per account for platform fees.
- Investment Positioning Service (for distribution) — $7,700 per year management fee plus $100 per account for platform fees. (This option requires you to first complete a retirement plan with Jim Saulnier & Associates, LLC.)
Additional details to keep in mind:
- Fees are billed quarterly in arrears.
- There is a one-time administrative account opening fee ranging from $75 for standard accounts up to $750 for complex accounts like trusts.
- Optional review meetings beyond the required annual review cost $320 per meeting.