Frequently Asked
Questions

Our process begins with a free 30-minute consultation where we discuss your retirement goals, current financial situation, and any concerns you may have. From there, we conduct a comprehensive review of your existing retirement accounts, investments, taxes, and insurance. We then create a personalized retirement roadmap tailored to your specific situation. Once you approve the plan, we help implement it — including rollovers, account management, and ongoing monitoring.

We're transparent about all fees. Initial consultations are always free with no obligation. Our fee structure varies based on the services you need and the complexity of your situation. We operate on a fee-only basis, which means we don't earn commissions on products we recommend — ensuring our advice is always in your best interest. We'll discuss all fees upfront before any work begins.

Both options have pros and cons. Leaving your 401(k) with a former employer keeps it simple and may offer good investment options, but you lose the ability to manage it directly. A rollover to an IRA gives you more investment choices and control, but requires some setup. The best choice depends on your specific situation, the quality of your old plan's investments, and your retirement goals. We help you evaluate the options during our free consultation.

There's no one-size-fits-all answer. A common guideline is to have 10-12 times your pre-retirement income saved by the time you retire. However, your actual number depends on when you plan to retire, your desired lifestyle, healthcare needs, Social Security benefits, and whether you have pension income. We use comprehensive planning tools to calculate your specific number and create a strategy to reach it.

Now. The earlier you start, the more time your money has to compound and grow. However, it's never too late to start. We've helped clients in their 50s and 60s significantly improve their retirement outlook with focused planning. Even small changes made now can have a big impact on your retirement security.

As a fiduciary firm, we're legally required to put your interests first — not just offer "suitable" advice. We operate on a fee-only basis with no commissions, meaning we have no financial incentive to recommend one product over another. Our focus is exclusively on retirement planning, and we take the time to educate our clients rather than just pushing products.

Absolutely! Retirement planning isn't just about accumulation — it's also about making your money last. We help retirees optimize their income strategies, manage required minimum distributions, plan for healthcare costs, and adjust their portfolios for different life stages.

A fiduciary is legally and ethically obligated to act in your best interest, not their own. Many financial advisors are only required to offer "suitable" advice, which allows them to recommend products that pay them higher commissions even if better options exist. As fiduciaries, we have a higher standard of care and complete transparency. Your interests always come first.