We prefer to begin working with our 3M clients at least two years before retirement.

This leaves ample time to prepare and ensure we’re ready if retirement comes sooner — whether through an early retirement package, severance, or simply three bad days in a row.

  • As a Fee-Only Fiduciary Advisor, we only receive payment from you, our client.

    • No commissions

    • No proprietary investment products

    • Just upfront, transparent pricing

    All financial planning and investment management services are included in one simple annual advisory fee, based only on the assets we manage directly for you.

    • Under $1m = 1.25%

    • $1 – $2m = 1.00%

    • $2m+ = 0.75%

    Billed quarterly — one-fourth of the annual fee is paid directly from your investment account every three months. No checks required.

  • Twin Cities Retirement Group uses an independent, qualified custodian to safeguard client assets. This ensures security, accountability, and transparency. Twin Cities Retirement Group has selected Charles Schwab to act as our qualified custodian.

  • For over 30 years, Charles Schwab has been a pioneer in the business of exclusively serving independent, fee-only investment advisors and their clients.

    As one of the largest, most trusted brokerage companies in the world, Charles Schwab is used to establish our client’s investment accounts, custody client assets, and satisfying regulatory, accounting, and recordkeeping services.

    In addition, Schwab Institutional provides our clients with the best asset security and protection in the form of:

    • SIPC Protection

    • Additional Asset Insurance (beyond coverage provided by SIPC)

    • Independent Reporting and Online Viewing

    With Schwab Institutional as our custodian, you can feel confident your assets are secure and professionally managed.