Retirement Planning
Services

Having an advisor doesn't mean every piece of your financial plan is working together. Most advisors focus primarily on investment management — but retirement success depends on much more than that. It requires coordinating your investments, taxes, Social Security timing, withdrawal strategy, and income planning into one cohesive plan.

Our Retirement Stress Test isn't about replacing your current advisor. It's about making sure nothing is falling through the cracks. In our experience, even clients who have worked with the same advisor for many years are often surprised by what a fresh, comprehensive review uncovers. There's no obligation, no pressure, and no cost. At worst, you get peace of mind knowing your plan is solid. At best, you discover something worth knowing before it's too late to act on it.

Most CPAs are focused on one thing — filing an accurate return for last year. That's important, but it's backward-looking. What most people are missing is forward-looking tax planning that's connected to their investment strategy in real time.

At Brady Wealth Management, we partner with a dedicated CPA firm specifically to bridge that gap. Your investment decisions — Roth conversions, withdrawal sequencing, Social Security timing, RMD planning — all have significant tax implications. When your advisor and your tax planner are in the same conversation, you make better decisions. When they're siloed, opportunities get missed and mistakes get made.

Our approach means your taxes and your investments are always aligned — not just at tax time, but year round.

We believe in complete transparency around fees — because every dollar in fees is a dollar not working for you.

Our advisory fee is based on assets under management. For accounts up to $1 million, our fee is 1%. For accounts over $1 million, the fee is 0.8%. There are no hidden charges, no commissions, and no surprises.

Tax planning and filing services through our CPA partner are available separately and are priced based on the complexity of your individual tax situation — typically determined after a brief review of your last two tax returns.

We're happy to walk you through exactly what you'd pay before you make any commitment. Just schedule a complimentary call and we'll give you a clear picture upfront.

Honestly — most people don't know until someone looks. That's exactly why we created the Retirement Stress Test.

The most common gaps we find aren't obvious. They're things like a portfolio carrying more risk than the client realizes, a tax time bomb building inside a large IRA that will trigger significant RMDs in retirement, Social Security being claimed at the wrong time and costing tens of thousands in lifetime income, or investment accounts and tax strategy that have never been coordinated.

None of these show up on a standard account statement. They only surface when someone takes the time to look at the complete picture — investments, taxes, income, and risk — all at once. That's what the Retirement Stress Test is designed to do. And in our experience, most people find at least one thing they wish they'd known sooner.

The first meeting is a conversation — not a sales pitch. There's no pressure, no product presentation, and no obligation of any kind.

We start by listening. We want to understand where you are, where you want to go, and what's keeping you up at night about retirement. If you've brought your investment statements, tax return, or Social Security estimate, we'll take a look and give you some initial observations.

From there, if it makes sense to move forward with a full Retirement Stress Test, we'll outline exactly what that process looks like and what you can expect. Most first meetings run about 30-45 minutes. By the end, you'll have a clearer picture of where your plan stands — and we'll both have a sense of whether working together is a good fit.

We've found that the best client relationships start with honest conversation, not a hard close. That's how we operate.