Ways to work together / One-Time Plan
A complete plan you carry out yourself.
For people who are comfortable handling the paperwork and want to know they’re making the right calls.
How it works
Three steps from first call to finished plan.
Once your documents are in, you’ll have your plan in about a month.
-
01
Discover
The first conversation
A Retirement Clarity Assessment: where you stand, what you want, and the decisions ahead. You’ll know if we’re a fit before you commit.
-
02
Design
About two weeks after your documents arrive
I gather your pension estimates, statements, tax returns and benefits. Then we meet to work through your goals and tradeoffs.
-
03
Deliver
About two weeks after the design meeting
A video walking through every recommendation, plus a written plan. Then you have 30 days to email me questions as you put it into action.
A good fit if…
- You like doing things yourself and want an expert plan to follow.
- You have a few big decisions ahead and want them made in the right order.
- You don’t need regular check-ins once the plan is done.
What’s included
- Retirement Clarity Assessment
- A design meeting to work through your goals and tradeoffs
- A written plan covering all eight areas
- A video walking through every recommendation
- 30 days of email questions as you put it in place
Every plan covers
Eight areas, one plan.
Your pension, taxes and investments all affect each other. I plan them together so one decision doesn’t undo another.
Retirement income
One paycheck from your pension, deferred comp, savings and Social Security, with spending guardrails.
Pension decisions
Your DRS option, survivor benefit and start date, modeled before you elect. The choice is permanent.
Tax strategy
Roth conversions, withdrawal order, leave cash-outs and Medicare premiums, planned by a CPA.
Investing
Low-cost, tax-efficient portfolios built to pay you an income.
Risk management
The right coverage before you leave employer benefits, and a bridge for health coverage to Medicare.
Cash flow
What you spend now, what retirement will cost, and how to cover the years before Social Security.
Estate planning
Beneficiaries on your pension, deferred comp and accounts, and the documents your family will need, coordinated with your attorney.
Charitable giving
Giving the most tax-efficient way, from qualified charitable distributions to donor-advised funds.
What it costs
A flat fee, quoted up front.
I’m fee-only. You pay me directly, and I don’t earn commissions on anything I recommend.
From $3,000
One time
- Quoted before any work begins. Fees start at the amount shown and can be higher for more complex situations.
- No commissions. Nothing I recommend pays me anything extra.
This is a summary. Our Form ADV Part 2A has the complete fee schedule and terms.
The other two options