Flat Fees. No AUM. No Retainers. No Surprises.
Every other planner makes you book a call to learn the price. We don't.
Retirement Income Snapshot
Clarity on the next decade. Built for pre-retirees who want a written plan but don't yet need execution support.
- →Social Security claiming analysis
- →8-year Roth conversion schedule
- →Income gap quantification
- →One 60-min debrief
- →8–10 page PDF deliverable
Gap Years Plan
A full retirement income plan you can execute, year by year. The flagship engagement.
- →Everything in the Snapshot
- →Income floor design (MYGA / SPIA / FIA-GLWB comparison)
- →Tax-aware withdrawal sequencing
- →In-force insurance review
- →Two debriefs (plan walk-through, refinement)
- →20–25 page PDF deliverable
Concierge Implementation
For clients who want execution managed. Quarterly check-ins, year-end conversion memo, CPA coordination.
- →Everything in the Gap Years Plan
- →Quarterly check-ins
- →December conversion execution memo
- →Annual plan refresh
- →Direct CPA coordination
What We Don't Price, Because We Don't Do It.
If, at the First Debrief, You Don't Think the Plan Will Save You at Least Three Times Our Fee in Lifetime Tax and Income Optimization — We Refund 100%.
No survey, no exit interview, no fine print. Email us within seven days of the first debrief.
The Ones We Hear Most.
Why flat fee and not AUM? +
AUM creates a structural conflict: the advisor's incentive grows with assets under management, not with your retirement outcomes. A 1% AUM fee on $1.5M is $15K every year, forever. Our Gap Years Plan is $6,500 once.
Is the fee tax-deductible? +
The planning portion can generally be deducted when paid from qualified assets (IRA / 401(k)). Confirm with your CPA — but for many clients, the after-tax cost of our fee is meaningfully lower than the sticker price.
Do you offer payment plans? +
Yes. For Gap Years Plan and Concierge, we accept 50% at engagement / 50% at delivery. Snapshot is paid at engagement.
Can I buy the Snapshot and upgrade later? +
Yes. The Snapshot fee credits forward against a Gap Years Plan if you upgrade within 12 months.
Do you take credit cards? +
Yes — Stripe checkout for all three tiers. ACH discount of 3% available on request.
Pick a Tier on the Intro Call.
Or don't pick anything — we'll tell you if your situation needs less than the Snapshot and refer you out for free.
Book the free intro call