Retirement Income Planning
Coordinate portfolio withdrawals, Social Security timing, pensions, annuities, and taxable income sources.
Learn moreIndividuals & Families
Investment and planning services organized around what you need.
Entrust works with retail clients through two primary relationships: deeper planning through Planning Client Services, or portfolio-centered Investment Management. Advisor/RIA Solutions are handled separately.
Retail client relationships
Planning Client Services vs. Investment Management
This matrix follows Entrust's current client-type worksheet. It is a planning guide, not a fee schedule or contract. Minimums, cadence, and scope must be confirmed by Entrust and reviewed by compliance before publication.
| Need | Planning Client Services | Investment Management |
|---|---|---|
| Income & Cash Flow Planning | Detailed Cash Flow & Tax Planning | Portfolio-level income review |
| Detailed Tax Planning | Holistic tax-sensitive planning considerations including estate taxes & Roth conversion planning | Tax-aware portfolio decisions & Roth conversion reports |
| Portfolio Construction | Customized and coordinated with holistic planning objectives. Values-based investing available. | Customized to investment objectives |
| Portfolio Implementation | Full Entrust implementation support including communication with custodians and verification of assets | Implementation support & best-interest trading management |
| Review Frequency | Periodic review meetings based on the client's situation | Periodic reviews not less than annual |
| Full Resource Library Access | Full access to all Entrust resources at no additional cost | Discounts on products within the Resource Library |
| Planning Scope | Holistic planning relationship: income, tax, investment & estate | Goal-centered investment management |
Advisor solutions are separate
RIA and IAR relationships are not retail client service tiers.
Advisor/RIA Solutions are built for independent advisors who need portfolio management support, trading and implementation resources, strategy access, and advisor-facing service. They should be evaluated separately from Planning Client Services and Investment Management.
Service areas
From income planning to portfolio implementation.
Each service area is framed around practical planning questions rather than generic investment labels.
Portfolio Construction
Design portfolios around cash-flow needs, downside risk, inflation risk, taxes, and time horizon.
Learn moreInvestment Management
Implement, monitor, and review customized investment strategies across eligible accounts.
Learn moreTax-Sensitive Planning
Review Roth conversion considerations, income thresholds, capital gains, and account-location tradeoffs.
Learn moreSocial Security Planning
Evaluate filing timing, survivor benefits, taxation considerations, and income coordination.
Learn moreBond / Fixed Income Strategy
Compare bond ladders, CDs, bond funds, interest-rate risk, maturity needs, and portfolio income objectives.
Learn moreCovered Call / Option Income Strategy
Review option-income strategies only where appropriate, with clear discussion of assignment, concentration, liquidity, tax, and market risks.
Learn moreInsurance / Annuity Coordination
Coordinate existing or proposed insurance and annuity tools with the overall income plan where suitable.
Learn moreAdvisor / TAMP Services
Support RIAs and IARs with third-party portfolio management, implementation, and strategy access.
Learn moreChoose a deeper page
Start with the relationship that sounds most like your situation.
Planning Client Services are broader and planning-centered. Investment Management is more portfolio-centered. Advisor Solutions are built separately for RIAs and IARs.
Important information
Fees, account minimums, specific service cadence, tax planning scope, resource-library terms, and advisory terms require confirmation with Entrust and compliance review. While Entrust may provide significant education and resources related to your tax and estate planning considerations, all ideas and plans should be verified with a qualified tax or legal professional. Entrust does not, and cannot represent you in any case with the IRS, Probate Court, or other legal authority. We assume no liability related to your taxes or legal considerations. Our software, tools, and resources are to be considered educational in nature and while useful these tools cannot be construed as advice.
Next step
Ready to build an investment plan around your purpose?
Schedule a conversation with Entrust to discuss your goals, income needs, tax considerations, and whether our approach is a fit.