Retire with Confidence

Our planning process tends to bring the greatest value to clients with $500,000 or more in investable assets. That said, every situation is unique, and we carefully consider each client’s individual circumstances and planning needs. Most importantly, we want every client to feel confident they’re getting real value from our services.

Your first meeting with BAM Advisory Group is all about you, your goals, your concerns, and your current financial picture. We’ll also introduce our BAM Retirement Gameplan™, a personalized roadmap designed to bring clarity and confidence to your retirement decisions. At the end of the meeting, we’ll discuss next steps together to determine the best path forward.

As registered investment advisers, we always put your interests first. Unlike firms tied to proprietary products, we have access to the full range of strategies and solutions available, which allows us to build a retirement plan completely tailored to your needs and goals. That starts with our BAM Retirement Game Plan, which includes:

• Retirement income planning
• Investment management
• Tax-smart withdrawal strategies
• Insurance and long-term care guidance
• Legacy and estate coordination

• And whatever else we can do to help you retire with confidence

Every recommendation is designed with one priority in mind: helping you move through retirement with clarity and confidence.

You could benefit from meeting with our team if you want to:

• Help remove uncertainty from your financial future
• Have a full comprehensive retirement plan
• Find out if you’ll have enough income to last the rest of your life
• Pay less in taxes on Social Security and other income
• Cut out the Internal Revenue Service from your will
• Earn a reasonable rate of return on your money
• Reduce market volatility and protect your assets
• Make sure that health care costs will not derail your retirement
• Reduce portfolio fees
• Take care of themselves and others, particularly family

• Make sure your distribution plan is as tax efficient as possible. One way to recoup money in retirement is to pay less in taxes!

Many people have a financial advisor and still choose to visit with us for a second opinion. We find that some financial advisors are only focused on investments and/or may be charging high fees. They are not helping clients with other important retirement issues such as saving on taxes, planning for future health care costs and protecting your assets. During your initial meeting, we’ll discuss your potential needs in these areas. We’ll also take a second look at your financial accounts to provide you with a fee and risk analysis. There is no cost for this meeting and no obligation on your part to do business with us.

At BAM Advisory Group, we believe you deserve complete clarity about how we’re compensated.
No hidden fees. No confusing fine print. Just a straightforward structure that shows exactly what you pay—and why.

Your advisory fee is based on the total assets we manage for your household. We use a tiered fee schedule, which means each portion of your portfolio is billed at the rate for that tier. As your assets grow, the overall blended fee can decrease. This keeps your interests and our interests aligned.

Our Standard Advisory Fee Schedule

How Fees Are Calculated and Billed

To keep things simple and consistent:

• Billing occurs monthly in arrears (meaning you’re billed after the month is complete).
• Fees are aggregated at the household level unless you ask us to bill accounts separately.
• Custodian fees and fund expense ratios are not included and may apply depending on the investments you hold.

Why this matters for you

This structure helps ensure you’re paying a fair, transparent fee for the work we do to manage your retirement plan. You’ll always know exactly what you’re paying—and how it’s determined—so you can move forward with confidence.