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Our Services

We offer tailored financial planning, wealth management, and insurance services to help you achieve your unique financial goals.

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Dominant Need Planning

Dominant Need Planning

Designed for clients who want insurance or investment services and do not want to engage in ongoing financial planning. 


Implementation costs vary based on products and account types.

Financial Planning

Financial Planning

Designed for clients who want an ongoing financial planning relationship that looks at their whole financial situation.


Fee for Service - starting at $2,500 

Financial Planning (high complexity)

Financial Planning (high complexity)

Designed for clients who have complex planning needs requiring multiple professionals.


Fee for Service - starting at $5,000 annually

This fee information is provided as a general overview. Fees for Financial Planning Services are negotiable and are based on a variety of factors including the services selected and complexity of your situation. Your actual fee may differ and will be disclosed in your Financial Planning Services Agreement. A complete explanation of fees and services is available in the MML Investors Services, LLC Financial Planning Services ADV Brochure. Information as of 02/01/2026 and subject to change.

Solutions Provided May Include:

Insurance Services

  • Life Insurance
  • Disability Insurance
  • Long Term Care Insurance
  • Structured Annuities


Services Include: 

  • Policy reviews with a licensed professional
  • Detailed policy recommendations  that match your financial planning and protection goals
  • Comprehensive Education on Policy Types and Their Uses
  • Servicing requests including:
    • Updating of beneficiaries
    • Changes to payment methods
    • Adjustments to existing coverage

Wealth Management

Account types, including but not limited to:


Traditional IRA’s • Roth IRA’s • TOD • JTWROS • Brokerage Accounts • Annuities • UTMA’s • 529 accounts • Simple IRA’s • SEP IRA’s •Solo K’s • 401(k)'s


Services Include: 

  • Manager and security selection & individual stocks & bonds
  • Tax loss harvesting
  • Ongoing due diligence for portfolio managers, risk mitigation, and expense management
  • Portfolio rebalancing
  • Facilitation of Required Minimum Distributions
  • Tax-sensitive investment strategies


*Depending on the size and complexity of your portfolio, you can expect to meet with our team 1-2 times per year to discuss your investments.

Retirement Income Planning

Services include:

  • Education on the 5 risks of retirement planning
    • Market/ sequence of returns risk,
    • Longevity risk
    • Healthcare/long term care risk,
    • Behavioral risk (spending too much or too little),
    • Inflation risk
  • Alternative distribution strategies, such as:
    • Flooring
    • Bucket approaches
    • The 4‑Box Strategy

Financial Planning

  • Insurance Services
  • Wealth Mangement
  • Retirement Income Planning
     

All insurance, investment management & retirement income planning services plus:

  • Cash flow management
  • Facilitation of Qualified Charitable Contributions
  • Roth conversion strategies & implementation
  • Coordination with your CPA to ensure careful tax planning
  • Coordination with your estate planning attorney to ensure optimal charitable giving
  • Scenario modeling & analysis
  • Beneficiary coordination

Updated January 2026. Risen Wealth Management Group reserves the right to amend and adjust the menu of services and fees at their discretion.

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