Whether you're twenty years out or already there, the right plan is the difference between watching the clock and sleeping soundly. We work with you at every stage.
Most people spend more time planning a vacation than planning their retirement. We change that — with clear, personalized strategies that give you confidence today and income for decades to come.
Every engagement begins with a comprehensive look at where you are and where you want to be. Then we build the strategy — across these four disciplines — that gets you there.
Structuring your savings, investments, and assets so they generate reliable, tax-efficient income for the rest of your life — however long that may be.
Determining the optimal time and strategy to claim Social Security — a decision worth tens of thousands of dollars over a lifetime, made once.
Navigating Medicare's alphabet — Parts A, B, C, D — and supplemental coverage options to ensure you're covered without overpaying for plans you don't need.
Sequencing withdrawals from your IRA, Roth, and taxable accounts in the order that minimizes your lifetime tax burden — keeping more of what you saved.
No two retirements are alike. We start by understanding yours — your timeline, your income, your worries, and your version of "enough" — then build a strategy that reflects all of it.
Steve [Last Name] brings over two decades of technology and financial operations leadership to retirement planning — with a direct, no-jargon approach that puts your goals first. Serving clients across the country.
A 30-minute conversation about where you are, where you want to be, and whether we're the right fit for each other.
We review your full financial picture — income, savings, Social Security, healthcare costs, and tax exposure — before making any recommendations.
A clear, written strategy covering income sequencing, Social Security timing, Medicare enrollment, and withdrawal optimization — specific to you.
Life changes. Your plan should too. We stay engaged through annual reviews and whenever something significant shifts.
Neither. If you're 20 years out, time is your greatest asset and a plan now compounds significantly. If you're already retired, planning still matters — income sequencing, tax management, and healthcare costs don't stop being important when work does. We work with clients at every stage.
It starts with a free 30-minute consultation to understand your situation and goals. From there, we conduct a comprehensive assessment and deliver a written retirement plan covering income, Social Security, Medicare, and tax strategy. Ongoing support is available through an annual retainer.
We work on a fee-only, flat-fee basis — no commissions, no percentage of assets under management. You pay for advice, not products. Fees are disclosed upfront before any engagement begins.
No minimum. What matters is that you have a genuine interest in building a plan and making informed decisions. We work with clients across a wide range of financial situations.
Yes. We work with clients across the country via video and phone. All planning deliverables are provided digitally, and most clients find virtual meetings just as effective as in-person.
Tell us a little about where you are in the journey. We'll schedule a 30-minute call to see if we're a good fit — no obligation, no sales pitch.