How My Fee-Only Retirement Planning Process Works

I provide flat-fee, fee-only retirement planning and financial coaching for pre-retirees and retirees. I help you clarify your goals, analyze your retirement income, evaluate Social Security and tax decisions, and develop a practical plan you can implement yourself.  Your financial well-being is my only agenda.  Because I am paid directly by clients rather than through commissions or AUM fees, my recommendations aren't tied to selling financial products or managing your investments. ​ Although I will focus on your priorities, my holistic approach ensures I don't just look at numbers, but at your entire financial life.

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My Financial Planning Process

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1. Start with a free introductory Discovery Session

We discuss your situation, retirement goals, questions, and the areas where you would like help. We'll determine whether my approach is a good fit for you.

2. Clarify Your Retirement Goals and Financial Picture

We'll organize the key pieces of your financial life—including income, savings, investments, Social Security, taxes, spending, and other resources.

3. Develop Your Retirement Plan

We'll analyze the issues that matter most to you and develop practical strategies for creating sustainable retirement income, optimizing Social Security, managing taxes, and making informed financial decisions.

4. Put the Plan Into Action

You remain in control of your money and implement the recommendations with your existing accounts and providers. I'll help you understand what to do and why.

5. Continue With Ongoing Coaching—or Stop When You're Ready

Some clients need only one or a few sessions, while others prefer ongoing support and accountability. You choose the level of help that makes sense for you.

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You Stay in Control of Your Money

I don't provide discretionary investment management or manage client assets.  You continue managing your money with your preferred brokerage or financial institution, while I provide objective planning and guidance along the way.

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How Often Do We Meet?

That is up to you.  One-time planning sessions are available.  But many clients find that 5-10 sessions are helpful in making the progress they want to achieve.  Some clients even enjoy having a coach by their side for a year or more — it is totally up to you!  Plus, our cost-saving packages offer even greater value and flexibility, making your financial journey both effective and affordable!​

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Virtual Financial Planning for Clients Across the U.S.

I'm based in the Cincinnati, Ohio area and work virtually with clients throughout the United States, as well as U.S. citizens living abroad. All coaching sessions are conducted online, making it possible to receive personalized retirement planning and financial guidance wherever you live.

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Ready to Take the First Step?

Schedule a free, 30-minute, no-obligation introductory Discovery Session

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