At Ploutos & Co., we start with what matters to you.
A first investment. A home of your own. The freedom to retire on your terms. We connect your everyday financial decisions with the future you want to build.
Our purpose is simple: help you understand your choices, weigh the risks, and make a plan you can follow with confidence.
Explore what retirement could look like and the steps that may help you get there. Connect your savings, accounts, and expected income with a realistic plan.
Retirement lifestyle and spending estimates
An overview of workplace plans and IRAs
Savings targets and contribution scenarios
Planning for inflation and changing circumstances
Retirement projections are estimates, not guarantees. Tax questions should be coordinated with your tax professional.
Start with a Conversation. Move Forward with a Plan.
Clear explanations. Decisions grounded in your life.
01
Understand
We begin with your goals, current finances, and questions. What matters most? What needs attention first?
02
Plan
Explore your options, understand the costs and risks, and agree on practical steps that fit your circumstances.
03
Review
Revisit your progress and adjust as your income, priorities, family, and goals change over time.
04 / UNDERSTAND THE COST
Clear Fees. Informed Decisions.
You should understand what you’re paying and how it affects your plan. Our proposed schedule pairs an annual advisory fee with a charge on applicable trades.
0.75%
Annual advisory fee Billed quarterly
1%
Applicable trade commission Separate from the advisory fee
Proposed pricing, subject to the final service agreement and confirmation of the permitted commission structure. Fund expenses, taxes, and other applicable charges are additional.
FEE ILLUSTRATION
$
$
Add purchases and sales together. This is trading value, not your investment return.
Annual advisory fee$75.00
Quarterly advisory fee$18.75
Annual trade commissions$0.00
Illustrated annual total$75.00
Assumes a constant billable balance and four equal quarters. Excludes other costs. Actual fees depend on the agreement, balances, cash flows, and chargeable transactions.
05 / GOOD QUESTIONS
A Little Clarity Goes a Long Way.
Do I need investing experience?+
No prior knowledge is needed to start a conversation. We aim to explain the choices in plain language and begin with your goals, budget, and comfort with risk.
Can you guarantee investment returns?+
No. Investment values can rise or fall, and losses are possible. A thoughtful plan considers uncertainty instead of relying on promised returns.
What happens in the first consultation?+
We discuss your priorities, the questions you want answered, and whether the proposed services fit your needs. The initial consultation is complimentary, with no obligation to join.
What should I prepare?+
Start with your main goals and a general picture of income, expenses, savings, and debts. You do not need to provide passwords or account numbers to begin a conversation.
Can I access my invested money?+
Access depends on the account, available cash, settlement, and applicable taxes or restrictions. Selling investments can create taxable gains or lock in losses. Withdrawal needs belong in the plan from the beginning.
06 / CONTACT US
Have More Questions? We’re Here to Help.
Ask about our services or connect directly with an adviser.
