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9275 Sky Park Court, Suite 350, San Diego, CA 92123

858-412-1869
nicholas.remer@ceterainvestors.com
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Financial Plans

"Everyone needs and deserves a quality financial plan." - MoneyGuide

MoneyGuideElite™ is an interactive planning solution that builds on MoneyGuidePro® features with four additional planning modules to that enables us to visually illustrate income distribution, tax planning, lifetime protection strategies, and benefits and tradeoffs of annuities.  Seamlessly integrated with AdviceWorks, your client portal,  you can view the big picture and all the little details in one place!

AdviceWorks

MoneyGuideEliteTM

CFP® Working For You

Retirement Plan Packages

Retirement Zoomer

Retirement Zoomer

Flat Fee: $600

The MoneyGuidePro Zoomer plan is a financial planning tool designed to engage younger clients or those new to financial planning. It simplifies complex financial topics into an interactive, client-led experience. Users can explore their financial goals, such as retirement planning, asset allocation, and insurance needs, through intuitive features like sliders and visualizations. This approach helps clients understand the impact of their decisions and prioritize their financial objectives effectively.We create strategies that are tailored to your needs and goals.

Retirement

Retirement

Flat Fee: $2,499

The MoneyGuideElite retirement plan is a sophisticated financial planning tool designed for advanced retirement strategies. It uses Monte Carlo analysis to simulate various market conditions and assess the likelihood of achieving financial goals. This tool allows for detailed modeling of scenarios like Roth conversions, early distributions, and charitable gifting strategies. It also includes features for holistic stress testing, risk tolerance analysis, and custom report templates to tailor plans to individual needs.

Retirement & Estate

Retirement & Estate

Flat Fee: $3,499

The MoneyGuideElite Retirement & Estate Plan is an advanced financial planning tool that combines retirement strategies with estate planning. It offers features like Monte Carlo analysis to simulate market conditions and assess the likelihood of achieving financial goals. Additionally, it includes estate planning basics such as gifting strategies, bypass trusts, and life insurance policies owned by others. Advisors can illustrate the impact of alternative strategies side by side and generate estate flow charts.

The Retirement Zoomer...

$600 Flat Fee1

No Cost For Clients With $500K+ of Assets Under Management1

Meet the practical financial planner—a person who is just beginning to organize their financial journey without the complexity of intricate stock options or advanced planning nuances. You value clear, straightforward guidance without unnecessary jargon. The MoneyGuidePro Zoomer plan is designed for individuals like you: budget-conscious and ready to get on track with essential financial goals such as retirement planning, asset allocation, and insurance needs. It offers an intuitive, interactive experience that simplifies decision-making, making it easier to understand the impact of your choices without overwhelming fine details.

This plan is the ideal starting point for anyone looking for an accessible, affordable way to lay a solid foundation for their financial future, ensuring that your planning is as manageable and effective as possible.

Take a sneak peak at our process

The Retirement...

$2,499 Flat Fee1

No Cost For Clients With $500K+ of Assets Under Management1

Meet the advanced retirement strategist—someone who demands not only precision but also a deep degree of personalization when planning for the future. The MoneyGuideElite retirement plan already harnesses Monte Carlo analysis to simulate varying market conditions, but it goes further by integrating a suite of advanced methods to fine-tune your strategy.

 It uses sensitivity analysis to anticipate the impact of stressors such as market downturns, inflation spikes, or unexpected personal expenses. Additionally, sophisticated tax optimization strategies—ranging from detailed Roth conversion scenarios to early distribution modeling and charitable gifting plans—are built in to maximize wealth preservation and boost the efficiency of your retirement income.  Pension planning? No problem!

Moreover, with dynamic risk tolerance gauged through holistic multi-factor stress testing, the plan helps you objectively assess your comfort level under various economic scenarios. Intuitive visualizations to further empower your understanding of potential outcomes, supporting decisions based on both current realities and future possibilities. 

This option is perfect for helping you coordinate all those assets you've spent your life building.  Handling the unique aspects of Social Security, employer stock options, rental property, Roth IRAs, 403(B)s, Pensions and everything else and turning that into a plan for your retirement.

Take a sneak peak at our process

The Retirement & Estate...

$3,499 Flat Fee1

No Cost For Clients With $750K+ of Assets Under Management1

Meet the comprehensive legacy architect—a visionary planning both a secure retirement and a lasting estate. You’re the forward-thinking individual who doesn’t just want to accumulate wealth but also desires to pass it on thoughtfully and efficiently. This plan uses precise Monte Carlo analysis to simulate various market conditions for refined retirement insights while integrating essential estate planning strategies like gifting strategies, bypass trusts, and third-party life insurance policies.

You value the ability to compare alternative scenarios side by side—whether choosing between different gifting methods or evaluating the impact of various trust setups—with clear estate flow charts that map out your legacy. If you seek a tool that combines advanced risk analysis with tailored estate planning fundamentals, ensuring both your retirement and legacy are in impeccable order, this plan is crafted for your ambitious financial journey.

This option is everything the Retirement option is but adds advanced estate planning scenerios for those with a heightened level of concern over how, who, and when their legacy gets inherited.

Take a sneak peak at our process
Client interactivity

Client interactivity

Using sliders, clients can vary plan elements that are within their control, e.g., retirement age, goals and savings, and immediately see the impact.

Help reduce your client’s tax burden

Help reduce your client’s tax burden

Based on the your goal, calculate and test the strategies, and immediately see the impact on your plan, including probability of success and overall tax savings.

Illustrate retirement distribution

Illustrate retirement distribution

Demonstrate where your money is coming from during the distribution phase of your plan.
 

Tax Plan Package

The Holisti-Tax-Plan...

Billed At $150 Per Hour1

No Cost For Clients With $1,000,000+ of Assets Under Management1

Meet the advanced tax strategist—a discerning planner who seeks to master the intricacies of the tax code to optimize their overall financial strategy. Holistiplan is robustly designed for those who require more than a simple calculator; it’s crafted for individuals and advisors who understand that every adjustment in income, deduction, or investment can significantly shape long-term wealth.

We leverage scenario-based simulations to help you compare alternative tax strategies side by side—whether it’s fine-tuning deductions, managing capital gains, or timing income to maximize tax efficiency. With customizable tax flow charts and detailed dynamic reports, it empowers you to visualize the impact of decisions that span from immediate tax savings to long-range planning initiatives.

Moreover, advanced features such as real-time tax code updates, sensitivity analysis to model potential changes in legislation, and integrated guidance on tax loss harvesting and retirement income distributions make this software the ideal choice for a comprehensive tax strategy. It not only streamlines the process but also equips you with insights to tailor your approach according to your unique financial circumstances.

This planning option is billed hourly because of the extremely unique nature of everyone's tax situation.  This can range anywhere from a simple 1040 analysis that may take an hour or less to creative tax planning with multiple business entities.  This option is also unique because we need to work somewhat closely with your current tax advisor because ultimately, they are the one filing your taxes.  They need to both understand and sign off on any strategy you decide to implement.

Total Income Modeling

Total Income Modeling

Visually see all the funding sources you can use to fund your  retirement goals.  Identify when and how much income is pulled from different account types.

A MoneyGuideElite financial plan visual

Advanced Lifetime Protection<span id="_mce_caret" data-mce-bogus="true"><sup>2</sup></span>

Advanced Lifetime Protection2

Protect your family over their lifetime as your needs evolve.  Identify how much protection is needed and when.  We will develop an insurance strategy to ensure your covered but not over-insured.

A MoneyGuideElite financial plan visual

Secure income Modeling

Secure income Modeling

Advanced income modeling to balance your fixed-income to variable-income ratio.  Making sure you are aware of the true portfolio risk while drawing from your accounts.

A MoneyGuideElite financial plan visual
 

Distribution Planning

Distribution Planning

Quantify the savings, illustrating the impact of tax strategies in the plan such as Roth conversions, annuitizations, delaying Social Security etc.

A MoneyGuideElite financial plan visual

Navigate Retirement with Confidence

Retirement strategies can be complex. Team Hines Remer is here to guide you through the process, providing you with the information you need to help make informed decisions about your future.

Start Your Retirement Journey

1.  Financial Planning & Consulting may be a complimentary no obligation service based on AUM provided to new and existing advisory clients. Financial Planning & Consulting Services is completed through a separate agreement from the Investment Management Services agreement. Please refer to firm's ADV Part 2A and the client's agreement for additional platform, strategist or any related fees that may apply.

2.   Annuities may support lifetime protection.  The guarantee of the annuity is backed by the claims paying ability of the issuing insurance company