Account transfers, new account paperwork, beneficiary changes, address updates, RMD setup, Schwab administration, and document signing. Service on Merino-managed accounts is unlimited.

401(k), 403(b), 457, and TSP rollovers into IRAs or new employer plans—paperwork, distribution options, tax overview, and Schwab setup.

A brief call for focused questions, urgent triage, and determining whether a longer meeting is needed.

Same-day verbal confirmation of money movement. No preparation is required.