Retirement Peace of Mind Starts Here.

Services

Comprehensive Financial Planning Tailored to Your Life

We guide you through a complete retirement and wealth planning process — starting with truly understanding you: your current situation, dreams, values, timeline, and what matters most in retirement and beyond.

Our collaborative approach helps bring clarity, confidence, and coordination to your financial future.

Key elements we address together include:

Personalized Retirement Strategy — Building a roadmap that aligns your assets, income sources, spending needs, and aspirations for a secure, enjoyable retirement.
Investment Management — Ongoing portfolio oversight and adjustments to help you stay on track with your plan while managing risk and pursuing growth appropriate to your goals and timeline.
Insurance Review & Solutions — Review of Medicare supplement options for those nearing age 65. Analyzing and, when suitable, recommending and managing life, annuity, disability, and long-term care coverage to help protect your plan from unexpected events.
Estate & Legacy Coordination — We review your estate goals in the context of your overall financial plan, then collaborate closely with your attorney (or one we introduce) to help ensure everything aligns smoothly. We do not provide legal advice or draft documents. If you need an estate planning team, we can connect you with trusted professionals and coordinate the full process—from initial discussions through implementation and funding—to make it efficient and stress-free.
Tax-Efficient Strategies — Exploring opportunities to minimize taxes within your overall plan (we do not provide tax preparation or formal tax advice). If you need a tax professional, we can connect you with qualified partners.

We specialize in guiding pre-retirees and retirees — typically individuals and couples age 50+ — who are thinking seriously about retirement in the next few years or are already enjoying it. Our deepest expertise helps with the big questions: When can I retire confidently? How do I turn savings into reliable income? How do I protect my legacy and minimize taxes along the way?

That said, if you're outside this stage of life but value thoughtful, fiduciary planning, you're very welcome here — we love helping people at every point in their journey.
SP Retirement is headquartered in Chester County, Pennsylvania, serving clients nationwide via convenient video meetings. If you're local to Southeastern Pennsylvania or the surrounding area, in-person meetings may also be an option.

Clients

Are we a good fit?

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

You value working with a fiduciary who prioritizes integrity, kindness, and treating you with genuine respect every step of the way.
You're seeking a highly experienced, detail-oriented advisor who takes the time to truly understand your situation and do things thoughtfully and correctly.
You want comprehensive guidance to evaluate your full financial picture and make prudent, goal-aligned decisions — not speculative stock-picking or chasing high-risk returns to "beat the market."
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.

If this sounds like the kind of partnership you're looking for, we'd love to have a no-pressure conversation to explore how we can support your goals.

Pricing

Our Pricing – Transparent, Value-Based, and Fiduciary

We believe in clear, upfront pricing so you can decide if our services align with your needs. Fees are tailored to your situation's complexity and are always discussed in detail during our initial conversations.

Standalone Comprehensive Financial Plan

$2,500 – $7,500 (one-time fee, based on complexity)

This engagement delivers a complete, personalized financial plan covering retirement strategy, investments, insurance needs, tax efficiency, estate coordination, and more. It includes in-depth discovery, analysis, recommendations, and delivery — with no requirement to move to ongoing services.

Completing this foundational plan is the best way for us to fully understand your unique situation, which sets the stage for highly effective ongoing guidance if you choose it later.

Ongoing Planning + Asset Management

$5,500 per year (covers comprehensive ongoing planning and professional asset management for the first $1 million in assets under management)
0.50% per year on assets above $1 million

This all-inclusive annual fee provides continuous monitoring, plan updates, portfolio adjustments, proactive advice, and coordination with your other professionals — helping ensure your retirement stays on track through life's changes.

Insurance Review and Placement

Insurance solutions (life, annuity, disability, long-term care) are often commission-based, reflecting standard industry practices. We objectively evaluate options, educate you fully, and prioritize the most suitable, cost-effective coverage that aligns with your goals, preferences, insurer strength, and other key factors — never pushing products for our benefit. Insurance placement services are offered through SP Insured Solutions LLC.

All fees are discussed openly, with no hidden charges. We're a fiduciary, so your best interests always come first.

Holistic Retirement Planning for Individuals and Couples

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.

Review of Medicare supplement options (for those near age 65).

Insurance policy review, including long-term care insurance, life insurance, and annuity.

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)

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 (implementation and ongoing management available).
Employee benefits planning, including equity compensation plans.
Managing required minimum distributions ("RMDs").

Long-term care planning.

Surviving spouse planning.

Estate planning considerations, including identifying documentation that may need to be drafted. We can work with you and an attorney to ensure the appropriate documentation is completed. If you do not have an attorney, we can connect you with a trusted team to coordinate the full process.

...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.