Retirees | Plan Your Retirement Today — BDB Wealth Advisors LLC

You Saved for Decades.

Let’s Design a Strategy For It To Work For You.

BDB Wealth Advisors helps retirees in Pennsylvania manage their income, investments, and ongoing financial decisions, so what you’ve built continues to work for you throughout retirement.

Book a 15-Min No-Obligation Retirement Income Review

No pressure. No obligation. Just a conversation.

You May Be Looking for Help With…

Understanding how much you can comfortably draw from your portfolio each month without risk of running short over a retirement that may last 20–30 years

Navigating Required Minimum Distributions (RMDs) from traditional IRAs and 401(k)s without creating unnecessary tax burdens

Managing concern about a significant market decline affecting your lifestyle, with less time to recover than you once had

Figuring out whether your income sources will keep pace with inflation and rising healthcare costs over the long term

Making sure beneficiary designations, estate documents, and account ownership still reflect your current wishes

How BDB Wealth Can Help

Retirement Income Planning

We help translate your various accounts and income sources, investment portfolios, Social Security, pensions, and other assets into a coordinated income plan designed for your specific spending goals and timeline

Tax-Smart Withdrawal Sequencing

We can help identify which accounts to draw from and in what order, (taxable, traditional IRA, Roth) to help manage your tax exposure and Required Minimum Distributions over the course of retirement. We work alongside your CPA on the tax implementation side.

Portfolio Management

Ongoing, fee-based investment management with a strategy appropriate for your income needs, risk tolerance, and time horizon, reviewed at least quarterly. We build an Investment Policy Statement tailored to your specific situation.

Healthcare and Longevity Planning

We factor rising healthcare costs and longevity risk into the planning conversation so they don’t become a surprise later in retirement.

Coordination With Your Other Professionals

We work alongside your accountant and estate attorney to help ensure your financial plan and legal and tax documents are aligned.

Our Approach

1. Start by understanding your income sources, expenses, goals, and what you want retirement to look like.

2. Build an Investment Policy Statement appropriate to your retirement stage and risk tolerance.

3. Manage your portfolio with at least quarterly reviews, adjusting as your circumstances change.

4. Coordinate with your CPA, estate attorney, and other professionals as needed.

Assets Under Management	Annual Advisory Fee
$10,000 – $20,000	1.20%
$20,001 – $50,000	1.00%
$50,001 – $100,000	0.90%
$100,001 – $250,000	0.85%
$250,001 – $500,000	0.80%
$500,001 – $750,000	0.75%
$750,001 – $1,000,000	0.65%
$1,000,001 – $2,000,000	0.60%
$2,000,001 and above	0.55%

Our Fees

Investment management is charged as an annual advisory fee based on assets under management, billed monthly in arrears. Fees are generally negotiable and documented in your advisory agreement. We do not collect fees in advance.

Account Minimum $10,000 (waivable)

Performance Fees None — Ever

Billing Monthly in Arrears

Included at no additional charge based on AUM level:

• $100,000+: Access to online financial planning software (limited)

• $250,000+: Annual financial plan review — up to 3 hours of preparation and meeting time

• $1,000,000+: Quarterly financial plan reviews — up to 2 hours per quarter

Financial planning is also available as a standalone project ($500–$7,500+ depending on complexity), hourly ($100/hour), or as a $65/month subscription. Clients are responsible for thirdparty custodian fees charged by Altruist Financial LLC.

Insurance Conflict of Interest — Required Disclosure Danielle Bordenkircher is a separately licensed insurance agent who may earn commissions on insurance products. This activity is outside the advisory relationship and is disclosed as a conflict of interest. Clients are never required to purchase insurance through BDB Wealth Advisors.

View the full fee schedule at bdbwealthadvisors.com/fees

What the First Conversation Looks Like

15 minutes. No obligation. No pressure.

We’ll briefly discuss your current situation, what questions you have, and whether our services may be appropriate for where you are in retirement. There’s nothing to prepare in advance — just come as you are. If we think a different professional or approach would serve you better, we’ll tell you.

Why BDB Wealth

Fiduciary Status Always — Required by Law

Custodian Statements Quarterly from Altruist Financial LLC

Fee-Based; No Investment Commissions

Local Presence York, Lancaster, Harrisburg + Virtual Nationwide*

Portfolio Reviews At Least Quarterly Registration PA State-Registered, CRD #336541

*Nationwide where registered or exempt

Frequently Asked Questions

We factor RMDs into your overall income and withdrawal plan — looking at sequencing, timing, and which accounts to draw from to help manage your tax exposure. We work alongside your CPA on the tax filing and implementation side; we don’t prepare tax returns.
We can discuss how Social Security fits into your overall income picture and help you understand the trade-offs around timing. We don’t make the decision for you, but we can help you think through the considerations in the context of your full financial plan.
A second opinion is always reasonable, particularly if your situation has changed or your plan hasn’t been reviewed recently. A 15-minute conversation carries no obligation — if it’s not the right fit, you’ve lost nothing.
Investment management is charged as an annual advisory fee on assets under management — no commissions on investments. Financial planning services are charged separately as a fixed project, hourly, or monthly subscription. See our full fee schedule for complete details.
Portfolio accounts are reviewed at least quarterly, and you’ll receive quarterly statements directly from Altruist Financial LLC. Clients at higher asset levels receive scheduled financial plan reviews. We’re also available between scheduled reviews when something changes.
$10,000 for investment management, which may be waived at our discretion.