How it works

Four Steps. Six Weeks. One Plan You Can Actually Execute.

A finite, productized engagement — not an open-ended advisory relationship. You know the price, the timeline, and exactly what you'll have at the end.

Step
01
20 min · free

Intake Call

Mutual fit check. We confirm we can help. You confirm we're the right fit. No slides, no pitch. If we're not a fit we tell you, and point you somewhere that is.

Step
02
Week 1–2

Discovery

Secure document upload — tax returns, account statements, SS estimates, existing insurance, pension docs. We do the work; you don't fill out endless forms. One follow-up call to fill gaps.

Step
03
Week 3–4

Modeling

We build your plan. Bracket-fill schedule, SS optimization, withdrawal sequencing, insurance integration. No black box — every assumption is documented, every number footnoted.

Step
04
Week 5–6

Delivery

Two debrief sessions. First to walk the plan front-to-back, second to refine and finalize. You leave with a PDF, an executable year-by-year schedule, and a copy formatted for your CPA.

The deliverable

Twenty to Thirty Pages of Math You Can Hand to Your CPA.

Not a glossy brochure. Not a one-page summary. A real, technical document — the kind your wirehouse advisor used to produce and stopped producing fifteen years ago when fee compression killed the back office.

  • →Social Security claiming analysis. Optimal claiming age, breakeven, spousal coordination.
  • →Year-by-year Roth conversion schedule. Specific dollar amounts, by year, by bracket.
  • →Withdrawal sequencing. Which account to draw from, in what order, by year.
  • →Income floor design. SPIA / MYGA / FIA-GLWB comparison, when (and when not to) annuitize.
  • →In-force insurance review. Existing policies stress-tested against current cap rates and crediting.
  • →Tax projection. Federal, state, and IRMAA, year-by-year, with and without the plan.
Sample page
Withdrawal Sequence, 62–80
Income drawn from taxable accounts and tax-deferred during gap years; Roth bucket grows untouched, RMDs minimized at 73.
What we don't do

We Sell Advice. That's It.

× We don't manage your investments. Your assets stay where they are.
× We don't sell products. No annuities, no insurance, no funds.
× We don't pick stocks or funds. We don't rebalance.
× We don't day-trade your account.
× We don't replace your CPA — we make their job easier.
× We don't take commissions, kickbacks, or referral fees.
Is for

Pre-Retirees and Early Retirees With Real Money on the Table.

  • →Ages 58–72.
  • →$500K to $5M in qualified assets.
  • →Want clarity on the next 10–15 years of tax, income, and insurance decisions.
  • →Comfortable executing a written plan with your CPA or current advisor.
Isn't for

Three Categories We're Not Built For.

  • ×Accumulation-phase investors under 55 — different problem set.
  • ×Business owners with complex equity comp or pre-exit planning — refer to a specialist.
  • ×Ultra-high-net-worth ($10M+) with an existing family office — they have what they need.

Twenty Minutes Is the Right Next Step.

If we're not a fit, you'll know on the call. If we are, we'll send a written engagement letter that day.

Book the free intro call