PRICING
Find the Level of help that fits where you are.
We don't make you guess which service is right. Take the Tax-Smart Retirement Stage Assessment, find your stage, and the right path becomes clear.
Less than 5 minutes * Identifies your stage in the framework * Free
ENTRY-POINT ENGAGEMENTS
Two ways to being working with us.
Both lead to the same point. A clearer picture of your tax-smart retirement strategy. The difference is the level of commitment you're ready for.
1-Hour Financial Health Check
$
250
Wealthy Retirement Plan
$
2,000
ONGOING RELATIONSHIP TIERS
Three Levels of Service
Choose your tier based on where you are in the seven-stage framework - and what level of ongoing support fits your unique situation.
Foundation Wisdom
Stages 1-3 * $100K+
$
150
/mo
MOST Popular
Partnered Wisdom
Stages 3-6
CFP and CPA, playing from the same sheet of music.
$
499
/mo
Concierge Wisdom
Stage 7 * $2M+
When every decision matters.
$
1,999
/mo
Basic
Simple, fast and effective flexible move
$
79.99
/yr
Popular
Fulltime
Creative working space, not noisy, fully equipped and convenient
$
89.99
/yr
Private
Simple, fast and effective flexible move
$
119.99
/yr
Not sure which tier fits? Here's the simple version
Stages 1-2 Build, Shelter | Foundation Wisdom if you have $100K+ and want pro management |
Stages 3-6 Convert, Harvest, Coordinate, Protect | Engage the Wealthy Retirement Plan first ($2,000 or via $250 Health Check), then choose Partnered Wisdom for ongoing support. |
Stage 7 Transfer | Engage the Wealthy Retirement Plan first, then Concierge Wisdom for family-office-level support. |
Business Owners Any Stage | The Business Owner Engagement below. Includes Partnered Wisdom for personal planning. |
FOR BUSINESS OWNERS
Your business retirement plan and your personal plan, working together.
Business owners planning is a different ladder. Your company plan and your personal tax strategy can't really be separated... so we don't try.
BUSINESS OWNER ENGAGEMENT
Comprehensive setup for owners and self-employed clients
For owners setting up or managing a Solo 401(k), SEP, SIMPLE, or 401(k) - with personal tax strategy built in.
FOR YOUR BUSINESS
FOR YOU PERSONALLY
$5,000 Flat Setup Fee
+ AUM-based ongoing fee on plan assets (see schedule)
AUM FEE SCHEDULE (BUSINESS PLAN ASSETS)
$0 - $499,999 | 0.95% (95 bps) |
$$500,000 - $999,999 | 0.80% (80 bps) |
$1,000,000 - $2,999,999 | 0.65% (65 bps) |
$3,000,000 - $4,999,999 | 0.55% (55 bps) |
$5,000,000 and above | 0.50% (50 bps) |
FREQUENTLY ASKED
The questions most people ask.
The fastest way is the Tax-Smart Retirement Stage Assessment. It takes less than 5 minutes and places you in one of seven stages. Each stage has a clear best-fit offering. If you'd rather talk through it directly, start with a free Freedom to Enjoy Life and Retirement Strategy session.
Yes. Most clients move up the ladder over time as their stage changes. A Foundation Wisdom member typically graduates to Partnered. A Partnered client may move to Concierge as estate complexity grows. There's no contract or commitment beyond month-to-month.
Maybe. Most advisors are good at managing money. Portfolios, risk, rebalancing. Most are not tax-smart retirement income planners, which is a different skill. If your advisor can clearly answer questions like "What's my Roth conversion strategy for the next 5 years?" or "How are we coordinating my plan with my CPA?", you're in good hands. If the answers are vague, you may have a planning gap. The Wealthy Retirement Plan is a strategy document, not simply a portfolio management plan.
It's not a hard minimum, it's where the value typically outweighs the cost. This can also work if you are in a position to contribute consistently to your Wealthy Retirement Plan.
The Wealthy Retirement Plan is a one-time engagement that produces a written strategy document. After the plan is delivered, you decide what comes next: run with it yourself, move into Foundation Wisdom for investment management, or join Partnered or Concierge Wisdom for ongoing strategic work. Most plan clients choose Partnered because the strategy is actively maintained year-by-year as life and tax law change.
Yes. 100% of the time, on every recommendation. Obsidian Wisdom is a registered investment advisor. We don't take commissions. We don't sell products designed by other firms. We work for you, not the casino.
Start with the assessment
Your stage tells you what fits. Take less than 5 minutes, find our where you are, and the right next step becomes obvious.
BUILD → SHELTER → CONVERT → HARVEST → COORDINATE → PROTECT → TRANSFER