Every Advisor You'd Hire Has a Reason to Push You One Direction.
We Don't.
Wirehouses are paid on AUM. Insurance agents are paid on commission. Fee-only RIAs refuse to recommend annuities because they'd lose AUM. We charge a flat fee, sell nothing, and recommend whatever the math says — invest, annuitize, or do nothing.
What Every Other Kind of Advisor Will Tell You — and Why.
You can predict the advice you'll get from each category before you walk in the door. The recommendation follows the compensation.
The 8–12 Years Between Retirement and RMDs Are the Most Expensive Tax Window of Your Life — and Almost No One Plans for Them.
Three things happen in this window that most advisors miss, because most advisors are paid to grow assets, not to optimize the drawdown.
The Bracket-Fill Window Closes at 73.
From retirement until your first RMD, you control your taxable income. Most retirees pay 12% during these years — exactly when they have room to convert at 22% and never pay 32% later.
IRMAA Cliffs Cost Real Money.
One dollar of additional income above the 2026 IRMAA tier can cost a couple ~$2,100 in Medicare premiums for that year. On a $2M IRA, this is the difference between a clean retirement and a death-by-a-thousand-cuts retirement.
The Surviving-Spouse Tax Bomb.
When MFJ becomes Single, the same income is taxed 30–40% more. Conversions during the joint years compress the surviving spouse's tax footprint by hundreds of thousands over their lifetime.
Three Productized Engagements. Three Flat Fees. Everything Is Documented.
Retirement Income Snapshot
SS claiming, Roth schedule, income gap quantification, one debrief. 8–10 page PDF.
Learn more →Gap Years Plan
Everything in Snapshot plus income floor design, withdrawal sequencing, in-force insurance review, two debriefs. 20–25 page PDF.
Learn more →Concierge Implementation
Everything in Gap Years Plan plus quarterly check-ins, December conversion memo, annual refresh, direct CPA coordination.
Learn more →Someone Who's Actually Done the Math.
Rikin Shah — Stanford MBA, Columbia Applied Math BS. M&A advisory at J.P. Morgan. Financial-services private equity (including insurance) at Stone Point Capital. Founder of GetSure, an independent insurance agency licensed in all 50 states. Author of IUL On Trial.
"I started Algoli Advisors because the same analytical rigor we apply to insurance product evaluation belongs in retirement income planning — and almost no one in this category is doing it."
More about us →The Short Answers.
Are you a fiduciary? +
Yes. Always. In writing, on every engagement. Our Form ADV Part 2A states it explicitly.
Do you sell annuities? +
No — we don't sell anything. But we'll recommend one if the math says so, and tell you exactly which features matter and which are noise. You buy it through any independent agent.
What about my existing advisor? +
Keep them. We complement, not replace. The Gap Years Plan is built to hand to a CPA, RIA, or both. We work the planning, they execute the rest.
What's the catch? +
There isn't one. Flat fee, paid in advance, refunded if you don't see the value at the first debrief. Read our Form ADV Part 2A — it's short.
The Intro Call Is Free, and We'll Tell You.
Twenty minutes. No slides, no pitch. We confirm we can help; you confirm we're the right fit. If we're not, we'll say so and point you somewhere that is.
Book the free intro call