It Can Be Fun! Let's Start Planning

Okay, so the process may not be the fun you’re used to, but it may help you live your dreams!

Here are ways we can help you with your financial planning needs with common questions we hear from our clients:

1. Wealth Planning and Retirement Planning Services
   • Will I outlive my money in retirement?
   • When do I begin collecting Social Security?
2. Investments
   • Are my assets properly allocated?
3. Estate Planning Strategies
   • What is a trust, and do I need one?
4. Tax Planning
   • What can I do to lower my tax liability?
   • Do I qualify for a Roth IRA?
   • Should I convert my IRA to a Roth IRA?
5. Insurance and Risk Management Strategies
   • Do I need life insurance?
   • What is long-term care insurance?
   • Is an annuity right for me?

How much does it cost to work with your team?
While most of our accounts are fee-based through advisory services, we also serve clients who prefer to remain transactional through brokerage services. We pride ourselves on employing a simple and easy-to-understand fee structure. You have a right to know exactly what you are paying and how it is computed.

Where we reasonably believe it to be in a client’s best interest, we recommend:

Advisory Services
For more details about fees and expenses that clients may incur in connection with Hutchinson Wealth's investment advisory programs, please refer to Form ADV Part 2A, Wrap Disclosure Brochure and Form CRS.

In a fee-based account, clients pay a quarterly fee based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part 2 as well as the client agreement.

Services rendered will be dependent on applicable agreements.