Recurring Planning Retainer

The Recurring Planning Retainer engagement is available to clients who have already completed a Base Financial Plan with McLean and would like to continue receiving financial planning advice and guidance on an ongoing basis.


Ongoing Goals Based Financial Plan Updates


24/7 Access to Your Goals-Based Financial Plan

The recurring planning engagement includes two plan update meetings per calendar year with your McLean Advisor. These meetings will be similar to the process you experienced during the Standalone Financial Plan Engagement and includes a comprehensive update to your Goals-Based Plan.


McLean’s robust online planning platform comprehensively addresses your ongoing financial planning considerations and scenarios. The planning platform allows for interactive web and mobile app access to the Goals-Based Financial Plan developed during your Standalone Financial Planning engagement at any time. Some of the features of the online financial planning platform include:

Ability to engage in interactive, real-time evaluation of your financial plan

Ability to conduct ongoing scenario testing

Aggregation and daily synchronization of your financial accounts

Allows you to temporarily adjust some of the plan’s underlying goals and strategies to evaluate their potential impact on the plan’s success rate without overwriting the plan developed in conjunction with your Advisor

The online planning platform is where your financial plan will “live and breathe.” Your initial Goals-Based Financial Plan will be loaded into your planning portal, allowing you to interact with your plan in real-time to run additional analyses, test scenarios, and update it over time.



As you make changes to your Goals-Based Financial Plan, your retirement projections will be updated to evaluate the impact to your goals. Note this will only reflect changes made by your advisor and will not incorporate adjustments made through your client portal.


Reliable Income

Includes an ongoing review of the reliable income funding sources available to address your reliable income gap (if applicable) along with implementation recommendations.


Learn more about working with McLean



Ongoing review of your current investment portfolio and overall strategy.  Includes a review of your portfolio expenses, investment diversification, and composition. Note that the guidance is limited to allocation considerations, such as how much to allocate to stocks, bonds, or annuities, and will not offer specific investment or product recommendations or implementation support.


Tax Analysis and Projection

Includes an ongoing review of your prior year’s income tax return to identify tax planning opportunities (modeling scenarios as needed to assess the potential impact). It also includes an ongoing review of your retirement income plan for tax efficiency, providing recommendations for tax saving strategies such as asset location changes or Roth conversions (when applicable).



McLean will continue to review life insurance, annuity contracts, disability policies, and long-term care policies for suitability, providing feedback and recommending changes where appropriate. As part of your retainer relationship, McLean will continually evaluate your coverage needs and analyze whether insurance products can increase your plan’s probability of success. Note that there is no obligation to implement any insurance recommendations with McLean.

If applicable, the following services
will be included at no additional cost:


Pension Review
A review of your current pension(s) and how to best utilize them within your retirement income plan to meet your goals. The pension review includes an analysis of available pension distribution options with an implementation recommendation based on your goals and circumstances.


Medicare Election Consulting
For individuals age 63+, the engagement includes a discussion with McLean’s strategic Medicare partner to determine recommendations for Medicare elections based on your situation.


Education Planning
Includes a review of expected education expenses and recommendations for how to fund them.


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