Focused retirement guidance without ongoing portfolio management
One-Time Financial Planning for Retirement
Get professional help organizing a retirement decision or building a financial plan while keeping responsibility for implementation and investment management.
Fairchild Capital formally describes this service as standalone financial planning. Scope, deliverables, timing and fees depend on the engagement.
Planning without an ongoing-management requirement
What is one-time financial planning?
One-time financial planning—also called project-based or standalone planning—provides analysis and recommendations for an agreed financial-planning scope without requiring ongoing portfolio management.
It may fit someone who wants an objective retirement assessment, help organizing several connected decisions or a plan they intend to implement themselves. The engagement should clearly define what will be analyzed, what will be delivered, how long the work is expected to take and what happens after the plan is presented.
Fairchild Capital’s Form CRS states that standalone financial planning may be priced as a fixed fee based on scope and complexity or as an hourly fee. Fairchild Capital does not place trades or continuously monitor investments for standalone-planning clients.
The short answer
Standalone planning gives you professional retirement guidance without transferring ongoing investment-management responsibility. You remain responsible for implementing recommendations, monitoring accounts and requesting additional help when circumstances change.
A defined question or transition
When might project-based retirement planning make sense?
Can I afford to retire?
Evaluate spending, benefits, savings and investments across reasonable retirement dates and planning assumptions.
How will I replace my paycheck?
Organize Social Security, pensions, cash and investment withdrawals into an understandable income framework.
What are the tradeoffs?
Compare options involving benefits, retirement accounts, taxes or another consequential financial choice.
Does my current plan fit?
Review the financial picture and identify questions, risks or areas that may deserve further work.
These are examples of planning needs—not a promise that every topic is included in every engagement. Fairchild Capital should confirm the project scope, information required and deliverables in writing.
You may need a plan without needing someone to manage everything.
Discuss the decision you are facing and whether standalone planning may be an appropriate fit.
Build the project around the real decision
What could a retirement planning project examine?
Retirement date
Compare projected income, spending and resources under different retirement dates while identifying assumptions that materially affect the result.
Income strategy
Coordinate benefits and potential withdrawals to understand how retirement spending may be funded. Explore retirement income planning.
Tax decisions
Identify how withdrawals, conversions, gains and income sources may affect the plan. Individualized tax advice should be confirmed with a qualified tax professional.
Investment review
Evaluate allocation, concentration, liquidity, risk and costs. Standalone planning does not include ongoing monitoring or trade execution by Fairchild Capital.
Benefits
Consider Social Security, pensions, employer benefits or Oregon PERS information relevant to the household’s retirement choices.
Planning risks
Test how market declines, inflation, longevity, healthcare costs or major spending changes could affect the conclusions.
From question to usable guidance
How a standalone planning engagement can work
Define the question and scope
Discuss your goals and determine which issues, accounts and decisions will be included in the engagement.
Gather relevant information
Provide the financial, benefit, tax and account information required to evaluate the agreed planning questions.
Analyze the alternatives
Review reasonable strategies, assumptions and tradeoffs without presenting projections as guaranteed outcomes.
Receive and review the plan
Walk through the findings, recommendations, limitations and actions so you understand what may happen next.
Implement and monitor
You remain responsible for implementation and ongoing monitoring unless a separate service agreement provides otherwise.
Clarify whether follow-up questions, updates or additional analysis are included, available for another fee or outside the engagement. Do not assume the plan includes ongoing advice.
A useful plan should lead to understandable decisions.
Know what is included, what you will receive and which responsibilities remain with you.
Choose the right relationship
One-time planning versus ongoing wealth management
Guidance for a defined scope
Fairchild Capital provides planning services, but does not continuously monitor investments or place trades. The client handles implementation and future monitoring.
Planning plus portfolio management
Fairchild Capital combines financial planning with discretionary portfolio management and continuous investment monitoring, subject to the agreement and reasonable client restrictions.
Neither structure is automatically better. Standalone planning may fit a household comfortable implementing and monitoring its own decisions. Ongoing service may fit someone who wants planning and portfolio management handled within a continuing advisory relationship.
Fairchild Capital’s comprehensive service charges an asset-based fee and may have minimum fees. Standalone planning may use a fixed or hourly fee. Review the current Form CRS and confirm the fee and responsibilities that would apply to you.
Set expectations before the project begins
Questions to ask before hiring a project-based planner
What is included?
Request a written scope identifying the questions, analysis, meetings, deliverables and expected timeline.
What will it cost?
Ask whether the fee is fixed or hourly, when payment is due and what circumstances could require additional work.
Who implements?
Confirm whether you, another professional or the adviser will carry out recommendations. Fairchild Capital does not place trades for standalone-planning clients.
What is not included?
Clarify whether tax preparation, legal work, product implementation, investment monitoring or future updates are outside the engagement.
When should it be revisited?
Ask which changes could make the analysis outdated and when a new review may be appropriate.
Related Fairchild Capital resources
Explore retirement planning, fee-only financial planning for people 50+, retirement income planning and Oregon PERS retirement planning.
Common questions
One-time financial planning FAQs
What is one-time financial planning?
One-time, project-based or standalone financial planning provides analysis and recommendations for an agreed scope without requiring ongoing portfolio management. The client generally remains responsible for implementation and future monitoring.
Does Fairchild Capital offer standalone financial planning?
Yes. Fairchild Capital’s current Form CRS describes standalone financial planning offered for a fixed fee based on scope and complexity or for an hourly fee.
How much does project-based financial planning cost?
The Form CRS does not list one universal price. A fixed fee may depend on scope and complexity, or the service may be billed hourly. Ask Fairchild Capital for the fee and payment terms applicable to your project.
Will Fairchild Capital manage my investments under a standalone plan?
No. Fairchild Capital’s current Form CRS states that the firm does not place trades or continuously monitor investments for clients who receive only standalone financial planning.
What can a one-time retirement plan include?
The scope may address retirement timing, income, investments, taxes, benefits or other agreed questions. The actual topics and deliverables depend on the engagement and should be documented before work begins.
Is one-time planning the same as a second opinion?
Not necessarily. It can include an independent review, but it may also involve building a new plan or analyzing a specific retirement decision. The agreed scope determines the work.
What happens after the financial plan is delivered?
The client remains responsible for implementation and monitoring unless another agreement says otherwise. Ask whether follow-up questions or updates are included or available through an additional engagement.
When is ongoing financial planning more appropriate?
Ongoing service may be more appropriate when someone wants continuing advice, portfolio management, monitoring and updates as markets or circumstances change. The decision depends on needs, preferences, complexity and cost.
Take the next step
Get focused help with the retirement decision in front of you.
Schedule an introductory conversation to discuss the scope and whether Fairchild Capital’s standalone planning service may fit.
