Retirement Peace of Mind Starts Here.

Our Focus

SP Retirement is a fiduciary firm specializing in holistic financial and retirement planning for pre-retirees and retirees — typically individuals and couples age 50+ — guiding you through a complete retirement and wealth planning process. If you are outside of this range but are giving thoughtful consideration to retirement, you are very welcome here. We enjoy supporting clients at every stage of their financial life.

SP Retirement is headquartered in Chester County, Pennsylvania, serving clients nationwide via convenient video meetings. If you are local to Southeastern Pennsylvania or the surrounding area, in-person meetings may also be an option.

Are we a good fit?

We believe the best advisor-client relationships are built on shared values and trust. If the following resonates with you, we're likely an excellent match:

You're seeking a highly educated, experienced, and detail-oriented fiduciary advisor who truly understands your situation and goals; someone who takes the time to listen and do things thoughtfully and correctly.
You value comprehensive guidance to evaluate your full financial picture and make prudent goal-aligned decisions.
Your primary focus is achieving lasting peace of mind in retirement, protecting your quality of life and ensuring security and comfort for you and your loved ones.

Services and Pricing

Free Consultation

Our goal is to provide the highest quality retirement planning experiences for our clients while significantly reducing their costs. All fees are discussed openly, with no hidden charges. We're a fiduciary, so your best interests always come first.

One-Time Comprehensive Financial Plan

$2,500 – $7,500

This is a one-time fee based upon complexity, with the majority of plans being at the lower end of this range. This engagement delivers a complete personalized financial plan covering retirement, investments, insurance needs, tax planning considerations, estate coordination, and more. It includes in-depth discovery, analysis, recommendations, and plan delivery — with no requirement to move to ongoing services or asset management.

Ongoing Financial Planning + Asset Management

$5,500 per year for ongoing planning and professional asset management for the first $1 million in assets managed. 0.50% (half of one percent) per year on assets above $1 million.

We favor low-cost and tax-efficient index investing, to further reduce your expenses while prioritizing diversification.

Insurance Placement

We have expertise in life, annuity, disability, and long-term care insurance, and can help you acquire the policies you need. Insurance policies are often commission-based, reflecting established industry practices. We objectively evaluate options, educate you fully, and prioritize cost-effective coverage that aligns with your goals, preferences, insurer strength, and other key factors. Insurance placement services are offered through SP Insured Solutions LLC.

Holistic Retirement Planning Topics

Free Consultation

How much you need to retire, and how much you can sustainably spend throughout retirement.

How to generate retirement income, with robust education on the various options and methods, helping you to identify and implement your preference.

Pension option analysis.

Insurance review & solutions
- Review of Medicare supplement options for those nearing age 65.
- Review and placement of life, annuity, disability, and long-term care coverage to help protect your plan from unexpected events.
- Insights into your property & casualty coverage to ensure all your assets are protected, including connecting you with trusted professionals for competitive quotes.

Social Security filing strategy.

Tax planning, including:
- Roth conversion analysis.
- Asset location analysis (placing certain types of assets in certain types of accounts, for tax-efficiency purposes, when arriving at your overall allocation).
- Withdrawal sequencing (from which accounts to source withdrawals as distributions are made to provide you with the retirement income you need).
- Tax-loss harvesting.
- Need help with tax preparation? We can also connect you with a trusted preparer.

Domestic relocation planning. Considering moving or purchasing a second property? Let's identify the impact and see what's possible.

Investment strategy review and recommendations. Ongoing investment management is available, ensuring your investments stay on track with your financial plan throughout your retirement.

Employee benefits planning, including equity compensation plans.
Managing required minimum distributions ("RMDs").

Long-term care planning.

Surviving spouse planning.

Estate planning
- We review your estate goals then collaborate closely with an attorney to ensure the appropriate documentation is drafted. We coordinate the full process—from initial discussions through implementation and funding—to make everything efficient and stress-free.

...and much more, presented in an organized fashion, helping you to learn from the process and see how it all fits together.

Planning Engagement Process

1) Consultation
Chat to see if our financial planning services align with your needs.

2) Data Gathering
Gather the materials and information necessary for the creation of a thorough and accurate plan.

3) Discovery Meeting
Meet for an in-depth discussion of your situation, goals, and vision for retirement.

4) Plan Creation
We create your financial plan.

5) Plan Presentation Meeting
We present your plan, addressing your questions along the way.

6) Follow-Up Meeting
After taking time to process your plan, an opportunity to meet again, to ensure all outstanding questions are addressed, solidifying the path forward.

7) Ongoing Planning and Asset Management (Optional)
We can work with you to implement, maintain, and update your plan over time, to help you stay on track throughout retirement.

Consultation

Free consultation to see if we are a good fit to help you achieve confidence and peace of mind in retirement. Note: There is no provision of advice during consultation calls.