If you're 50–60 and within a few years of retirement, this is where clarity starts: tax-aware withdrawal order, Social Security/Medicare timing, and custom portfolios (no mutual funds) aligned to your goals.
3–7 years from retirement; want a clear income plan and "what to do when"
Maximizing 401(k)/403(b)/IRA; considering catch-up and Roth vs. traditional mix
Evaluating pension options (lump sum vs. monthly) and survivor choices
Wondering when to claim Social Security and how it affects taxes
Sorting healthcare (pre-65 coverage vs. Medicare at 65)
Holding legacy positions with gains; need a tax-aware transition
Month-by-month cash-flow plan tied to your spending needs.
Learn how to blend taxable → tax-deferred → Roth accounts, and plan for RMDs.
Individual stocks & ETFs aligned to the income plan—no mutual funds.
Establish a 401(k), Defined Benefit plan with a CFP® or CPA.
Now vs. FRA vs. 70; IEP/SEP windows and penalty awareness.
Trust funding, beneficiary updates, and secure digital vault for signed copies.
Attorney/CPA services are separate; we coordinate planning and paperwork. Insurance (if placed) is offered through SG Insurance & Estate Services LLC; carrier pays any commissions—disclosed in writing.
Discuss goals, timing, income target, healthcare, and legacy wishes. (20 minutes)
Monte Carlo + situational stress tests + Social Security/Medicare planning.
Open accounts at Schwab. Schedule your "retirement paycheck."
Scheduled check-ins; rebalance and update as life and markets change.
See Fees & What's Included page for current rates
No mutual funds in managed accounts—avoid loads/12b-1 fees
Only if you engage an attorney/CPA or third-party notary
Available for a flat annual fee while you're still working (see Fees page)
Quick way to get started! Great for initial conversations.
Secure screen-share from anywhere—review projections together.
Our Scottsdale office at 7900 E Thompson Peak Pkwy.
There's no one rule. We model now vs. FRA vs. 70 and coordinate with your taxes and survivor needs, then document the trade-offs.
If you have active employer coverage, you may use a Special Enrollment Period later. We'll plan the timing and penalty rules and coordinate any HSA considerations.
It depends. We compare costs, investment flexibility, withdrawal rules, and RMD/age-based features—then choose the path that best fits your plan.
No. We manage individual stocks & ETFs. Clients pay our advisory (AUM) fee plus the ETF expense ratios—no mutual fund loads or 12b-1 fees.
Generally $100,000+ in investable assets. (401(k)-only guidance is available as a flat-fee option—see our Fees page.)
Yes. Phone and video for all clients—including Michigan and Texas—with in-office meetings available in Scottsdale.
Schedule a no-obligation introductory call to discuss how we can help you plan income, taxes, and timing before day one.
Instant download + email copy