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Updated July 22, 2026. Quick answer (2026): A flat fee retirement planner in El Granada should quote the planning cost in annual dollars before you compare it with an AUM percentage. Use this guide to sanity-check flat annual, retainer, hourly/project, and portfolio-based quotes before you book an intro call.
This page is for El Granada, Half Moon Bay, Moss Beach, Montara, Pacifica-adjacent, San Mateo County Coastside, and nearby Peninsula households comparing retirement planning proposals in written annual dollars. For example, 1.00% on $1,000,000 is $10,000/year before fund, platform, overlay, or trading costs. Use it to compare flat annual, retainer, hourly/project, and AUM quotes — and to confirm planning scope: employer equity, old employer plans, taxable investments, home equity, charitable giving, Social Security timing, Medicare/IRMAA, Roth conversions, RMDs, and withdrawal order — before you book an intro call.
This page is not a directory or ranking of advisors; it is a fee-first checklist for comparing written proposals.
Nearby guides
- Coastside Peninsula hub
- San Mateo County hub
- SF Peninsula hub
- North Peninsula hub
- West Peninsula hub
- Bay Area hub
- California hub
- Half Moon Bay
- Pacifica
- Daly City
- South San Francisco
- San Bruno
- Millbrae
- Brisbane
- San Mateo
- Woodside
- Portola Valley
Fast tools
- Financial Advisor Fee Calculator — compare AUM, flat annual, retainer, hourly, and project quotes in dollars.
- Flat Fee vs AUM Break-Even Calculator — see where a flat quote starts to beat a percentage quote.
- Financial Advisor Fee Comparison — compare fee models, scope, conflicts, and first-year cost.
- Retirement Tax Windows — pressure-test Roth conversions, RMDs, Medicare/IRMAA, and taxable withdrawals.
- RSUs: Sell-to-Cover vs Net Shares — clarify equity-comp withholding before advisor calls.
Flat fee retirement planner El Granada: what ‘flat fee only’ usually means
- Flat annual fee: one stated yearly dollar amount for an agreed planning scope, meetings, written deliverables, and support rules.
- Project or hourly fee: a fixed project quote or hourly cap for a narrower decision, such as a rollover review, retirement-income checkup, Medicare/IRMAA second opinion, equity-comp review, pension review, business-owner review, or tax-aware withdrawal plan.
- Not AUM-only: compare the flat quote against any portfolio-percentage quote in dollars, then confirm fiduciary status, compensation, implementation help, and ongoing support rules.
El Granada fee sanity-check table
| Advisor quote | Example cost in dollars | What to confirm before an intro call |
|---|---|---|
| Flat annual planning | $6,000–$12,000/year | Meetings, written deliverables, renewal terms, implementation help, tax coordination, and what becomes hourly. |
| Monthly retainer | $500–$1,000/month, or $6,000–$12,000/year | Service calendar, response time, cancellation terms, and whether investment management is included. |
| Hourly or project planning | $300–$500/hour, or $2,000–$7,500+ per project | Not-to-exceed cap, written deliverable, timeline, and whether follow-up questions are included. |
| AUM comparison | 0.75% on $1,250,000 = $9,375/year; 1.00% = $12,500/year | Breakpoints, fund/platform costs, overlay fees, tax work, and whether planning scope is comparable. |
Calculator line: Run the same quote through the Financial Advisor Fee Calculator, then compare percentage-based proposals with the Flat Fee vs AUM Break-Even Calculator.
Retirement planner El Granada: what to compare before an intro call
- Total first-year cost: ask for planning, portfolio management, fund, platform, hourly, referral, and product costs in dollars.
- Scope: confirm whether retirement income, Social Security, Medicare/IRMAA, Roth conversions, RMDs, taxable withdrawals, pensions, employer equity, taxable brokerage sales, business-owner planning, real estate, charitable giving, estate basics, and CPA coordination are included.
- Deliverables: ask whether you receive a written plan, action list, investment policy, tax-aware withdrawal map, equity-comp checklist, pension decision tree, home-equity scenario, or only verbal guidance.
- When to talk to an advisor: use an intro call when a rollover, pension decision, equity vest, Roth conversion window, concentrated stock sale, retirement-date change, home sale, or large tax decision could change the plan.
El Granada planning prompts
- If coastal property, insurance, a remodel, a second home, downsizing, or a move inland could affect retirement cash flow, ask for written housing, insurance, liquidity, property-tax, and California tax assumptions.
- If pensions, old employer plans, public-sector benefits, 403(b), 457, inherited accounts, or rollover decisions matter, ask how survivor benefits, withholding, account location, and portfolio withdrawals are modeled together.
- If RSUs, ESPP shares, options, inherited accounts, low-basis stock, or taxable brokerage sales are part of the plan, ask what tax-aware selling, diversification, charitable-giving, and cash-reserve map is included before trades.
- If retirement is near, ask how Social Security timing, Medicare/IRMAA, Roth-conversion windows, RMDs, taxable withdrawals, charitable giving, and California taxable income are shown year by year.
5 copy/paste questions to ask an El Granada retirement planner
- What is my all-in first-year cost in dollars, including planning, investment management, funds, platform costs, hourly work, and any product compensation?
- Are you acting as a fiduciary for the entire relationship, including rollover, insurance, annuity, and investment recommendations?
- What written deliverables will I receive, and what becomes out-of-scope or hourly after the first year?
- How will you coordinate taxes, retirement-income timing, Roth conversions, Medicare/IRMAA, RMDs, taxable withdrawals, employer equity, and home-equity decisions?
- How would your recommendation change if I used a flat annual, hourly/project, retainer, or AUM arrangement?
Methodology
- We convert advisor quotes into annual dollars so flat fees, retainers, hourly/project work, and AUM percentages can be compared side by side.
- We do not rank advisors, sell directory placement, publish fake reviews, or claim that one fee model is best for every household.
- This page was materially reviewed on June 17, 2026. Fee examples are educational ranges, not personalized financial, tax, legal, or investment advice.
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