Investment Management for a Competitive Fee:

I will design and implement an investment portfolio that takes into consideration your risk tolerance and time horizon, using mostly low-cost exchange traded index funds.  This service includes:
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  • Initial Financial/Retirement Plan
  • Annual Plan Review
  • Ongoing monitoring and re-balancing or re-positioning as needed
  • Regular communication with you
  • At-home meetings if you find that more convenient than meeting at my office.  ​


​My fee schedule is available on request. Fees may be negotiable. I do not earn commissions on trades, nor do I sell any products.


I must always act as your fiduciary-which means I must always put your interests above my own and make recommendations based solely on your best interests. I accept no payments, commissions, spiffs, free lunches, etc...from third party product providers-my only source of compensation is fees paid to me directly by my clients.




Retirement/Financial Planning for a Flat Fee:
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I will put together a plan for you based on your specific situation and goals to help you answer the financial questions most important to you, such as when you can retire comfortably.  The plan will include recommendations regarding:
  • Investments 
  • Will and Legacy plan 
  • Social Security Benefits
  • Insurance Needs
  • Any other issues you want to address.


We will agree on a flat fee based on an estimate of how many hours I will work on your plan at $200 per hour.  Once agreed to the fee cannot increase regardless of how many hours I actually work on your plan.

Fee-only Retirement Planning

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hammer Advisory Services, Inc. and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered through Hammer Advisory Services, Inc., a Registered Investment Advisor in the State of Minnesota. Being registered as a registered investment adviser does not imply a certain level of skill or training. All investing involves risk including loss of principal. Past performance does not guarantee future results.

The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the States of Minnesota or where otherwise legally permitted. All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions.

Hammer Advisory Services, Inc. is not affiliated with or endorsed by the Social Security Administration or any government agency.

Hammer Advisory Services, Inc. does not provide tax or legal advice. Please consult a qualified professional for assistance with any tax or legal issues such as wills and trusts.

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