Independent · Fiduciary · Fee-Based

Work with a local, independent fiduciary advisor on your retirement.

Brandon Lloyd, CFP®, builds one plan for your income, Social Security, investments and accounts, and manages it for an advisory fee of 0.35% a year.

  • A fiduciary on the accounts we manage, required to act in your best interest
  • 0.35% a year: $3,500 on $1 million, where a 1% advisor charges $10,000
  • Independent: no parent company and no sales quotas
  • No account minimum, and you work with Brandon himself
Brandon Lloyd, CFP®
Brandon Lloyd, CFP®6001 Tower Ct., Alexandria · Call or text (571) 368-6178

Request a complimentary plan review

Brandon will call you himself to set a time. No cost and no obligation.

We use your details only to answer your request. Prefer to pick a time now? Schedule a meeting.

What your plan review answers

About 45 minutes, at our Alexandria office, by phone or by video. Bring what you have. You leave with plain answers and a written summary.

Can I retire, and when?We add up what you have, what you spend and what is coming in, and show whether the date you have in mind holds up.
Where will my income come from?Social Security, pensions, savings and any annuities, lined up year by year, with the order to draw from each account.
When should I claim Social Security?We compare claiming ages for you and your spouse, including survivor benefits, using your own earnings record.
Are my investments right for this stage?A look at how your money is invested, how much risk it carries and whether that fits the years ahead.
What should I do with my 401(k) or TSP?Stay, roll over or split. We show the trade-offs, including when staying in the plan is the better choice.
What am I paying now?Your current advisory and fund costs in dollars a year, next to what the same accounts would cost with us.

What the fee difference looks like

The average advisory fee is about 1% of your portfolio each year.1 Ours is 0.35%. On a $1 million portfolio:

At 1.00%, about the industry average$10,000a year in advisory fees
Mountain View at 0.35%$3,500a year in advisory fees

Advisory fees only, at a constant $1 million balance. Fund expenses and custodian charges are separate and apply either way.

From our researchOver 30 years, the gap compounds to about $461,000 on a $500,000 portfolio.

In our hypothetical example, $500,000 grows to about $2,585,000 at a 0.35% fee and about $2,124,000 at 1.00%. The report also covers taxes, risk and why we are able to charge 0.35%.

Read the report: What We Control

Hypothetical example, not a projection or a promise of any return. Assumptions and sources are in the footer.

How it works

1. A short callBrandon calls to learn what you want answered and sets a time to meet.
2. Your plan reviewWe go through your income, Social Security, investments and costs together.
3. Your answers in writingA written summary of what we found. What you do with it is up to you.

Common questions

Is the plan review really complimentary?

Yes. There is no cost for the review or the written summary, and no obligation to become a client.

How are you paid?

For managing your investments, an advisory fee of 0.35% a year, billed quarterly. That is what “fee-based” means here: most of what we do is paid by that fee. If an annuity or other insurance product fits part of your plan and you choose to buy it, Brandon is paid a commission by the insurer, and he tells you so before you buy.

Why is your fee so much lower?

Running an advisory practice costs far less than it used to. Planning software, low-cost index ETFs and an independent custodian do work that once took a large staff. Many firms keep those savings. We pass them along, and it is a big part of why the firm exists. Our research report explains the choice.

What does “independent” mean?

Mountain View Wealth Management is independently owned. There is no parent bank, brokerage or insurance company, no in-house funds to sell and no sales quotas.

Where is my money held?

In accounts in your own name at an independent custodian such as Interactive Brokers. We manage the accounts; we do not hold your money.

Do I have to move my accounts to get a review?

No. Bring statements from wherever your accounts are now. If you later decide to work with us, we handle the transfer paperwork.

Is there a minimum?

No. We work with people from their last working years through retirement.

Do you prepare tax returns?

No. We plan around taxes, such as which accounts to draw from first, and work alongside your tax preparer.

Ready for a second set of eyes on your retirement?

The review is complimentary, and Brandon will call you himself.

Request My Plan Review

Or call or text (571) 368-6178

Call or text (571) 368-6178