Step 1:

Introductory Call (30 Min)

Purpose: 

Make sure we’re a good fit—for both of us. This initial conversation is a high-level discussion to understand:

• What prompted you to reach out
• Your retirement timeline and priorities
• The complexity of your financial picture
• What you’re hoping a financial planner can help you solve

We’ll also explain how we work, our fiduciary responsibility, and what a long-term planning relationship looks like.

Outcome:

If it feels like a good fit, we’ll schedule a Discovery Meeting.

Step 2:

Discovery Meeting (60 MIN)

Purpose: 

Define the scope of work and set clear expectations.

This is a deeper conversation focused on understanding your full financial picture and the decisions ahead of you. We’ll discuss:

• Retirement goals and lifestyle expectations
• Income sources, benefits, and retirement accounts
• Tax considerations and planning opportunities
• Investment strategy and portfolio design
• Planning priorities such as long-term care, estate planning, or major life transitions

We’ll then review:

• The recommended scope of work
• Our service models
• The planning fee and/or investment management structure

Outcome:

You’ll receive a clear planning roadmap and fee quote so you can make an informed decision. If you decide to move forward, onboarding begins.

Step 3:

Planning Meetings

Rather than a one-time “plan dump,” we meet over a series of focused conversations. Each meeting builds on the last and is centered on real decisions—not theory. 

Every client is different so the process will be tailored to your situation, but here is how the planning process could go: 

_{Planning Meeting 1: Retirement Income Foundation}

We start with the most important question: “Can I retire comfortably—and stay retired?”  We’ll:

• Build retirement income projections
• Model different retirement timing scenarios
• Stress-test assumptions
• Identify key decision points that matter most

_{Planning Meeting 2: Tax Strategy & Investment Planning}

Next, we focus on improving efficiency. We’ll explore:

• Roth conversion strategies
• Tax-smart withdrawal sequencing
• Investment structure and portfolio design
• Coordinating taxes and investments together—not in silos

_{Planning Meeting 3: Risk Management & Protection}

We evaluate potential risks that could derail the plan, including:

• Long-term care planning
• Insurance review (life, long-term care, etc.)
• Healthcare and Medicare considerations
• Survivor and contingency planning

_{Planning Meeting 4: Advanced Planning & Life Transitions}

This meeting is tailored to your life and decisions, such as:

• Estate planning coordination
• Legacy and gifting goals
• Selling a home or relocating
• Purchasing a second home
• Supporting adult children or aging parents

_{Optional Meetings (5–6): Custom Scenarios}

If needed, we go deeper into:

• Complex tax or retirement decisions
• Employer or government benefits
• Consulting or part-time income planning
• Additional “what-if” scenarios

What you receive: Planning deliverables

Every client relationship culminates in clear, actionable deliverables—not a binder that collects dust. Your Core Deliverables Include:

_{✔ Retirement Income Report}

A clear, personalized analysis showing how your income works in retirement, how long it lasts, and what tradeoffs matter most.

_{✔ Tax Planning Report}

A coordinated view of your current tax situation in easily digestible format.

_{✔ Current-Year Tax Scenarios}

Side-by-side projections showing how decisions (Roth conversions, withdrawals, capital gains, etc.) affect your current-year taxes.

_{✔ Executive Summary (Plain English)}

This is the most important piece. A concise, easy-to-understand summary that answers:

• Where you are today
• What matters most
• What decisions to make next
• Why those decisions matter

No jargon. No spreadsheets required. Just clarity.

Ongoing Planning and Advice

For ongoing clients, planning doesn’t stop after the initial work. We continue to:

• Update projections as life changes
• Coordinate tax and investment strategies
• Help you make confident decisions as opportunities or challenges arise

_{Our goal is simple:}

To give you confidence, clarity, and a plan you actually understand—and use.