Financial and Retirement Planning

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.

Social Security filing strategy.

Pension option analysis.

Employee benefits planning, including equity compensation plans.

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

Managing required minimum distributions ("RMDs").

Long-term care planning.

Surviving spouse planning.

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

Tax Planning

Roth conversion analysis.

Withdrawal sequencing (from which accounts to source withdrawals as distributions are made to provide you with the retirement income you need).

Asset location analysis, to determine the optimal account (e.g., taxable, tax-deferred, Roth) to house particular investments when arriving at your overall asset allocation, for tax-efficiency and tax-planning purposes.

Tax-loss harvesting.

Need help with tax preparation? We can also connect you with a trusted preparer.

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 and will be by your side the entire time—from initial discussions through implementation and funding—to make everything efficient and stress-free.

Insurance Review & Solutions

Review of Medicare supplement options for those nearing age 65.

Needs analysis review and placement of life, annuity, disability, and long-term care coverage to help protect your plan from unexpected events. Placement of insurance is always optional.

Insights into your property & casualty coverage to ensure all your assets are protected, including connecting with trusted professionals for competitive quotes.

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

How Can We Help You?

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Packaged Services & Pricing

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

$1,495 to $7,500, depending on complexity, with most retirement planning engagements 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.

Asset Management & Ongoing Financial Planning

Our blended rate fee schedule:

Up to $1,000,000 in assets under management: 0.75% annual rate
Above $1,000,000 in assets under management: 0.30% annual rate

We generally favor low-cost and tax-efficient index investing, to further reduce your expenses while prioritizing diversification. That said, we will always seek to cater to the preferences and unique needs of our clients.

Custom Engagement

Have something else in mind? We can provide a custom quote.

Insurance Placement

We provide specialized expertise across life, annuity, disability, and long-term care insurance to ensure your overall financial plan is fully protected. Traditional insurance policies generally feature commission-based compensation structures. To maintain complete objectivity, we educate you fully on your options and prioritize cost-effective coverage based on carrier financial strength and your specific goals and preferences. Insurance placement services are entirely optional and are delivered through our affiliate, SP Insured Solutions LLC.

Planning Engagement Process

1) Free 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

Let's chat to see if we are a good fit to help you achieve confidence and peace of mind in retirement. We will send a link to schedule a meeting upon receipt of your request.

Note: There is no provision of advice during consultation calls.