Every client’s situation is unique — but through my Flat Fee Limited Engagement, we’ll work together to answer your most important financial questions and build clarity around your next steps. Below is an overview of the areas we’ll cover, depending on your goals and circumstances.
Retirement Timing & Income
- When can I retire, and can I afford to stop working early or reduce hours?
- How much can I safely spend each month in retirement?
- Will my investments provide enough income to last the rest of my life?
- How would a market downturn impact my plan?
Tax & Roth Strategies
- Should I complete a Roth conversion — and if so, how much?
- What’s my best long-term tax bracket strategy?
- Should I realize capital gains this year or defer them?
- How can I reduce future tax exposure, including Medicare IRMAA impacts?
Social Security & Pension Decisions
- When should I claim Social Security?
- How do spousal or survivor benefits factor into my plan?
- Should I take my pension as a lump sum or monthly payout?
Health Care & Insurance
- How should I handle pre-Medicare health insurance?
- What will my Medicare premiums cost?
- Do I still need life or long-term care insurance?
Real Estate & Debt
- Should I pay off my mortgage or keep investing?
- Should I keep, rent, or sell a property?
- How would downsizing or moving affect my finances?
Investment Strategy & Risk
- Is my portfolio positioned correctly for retirement?
- Which market scenarios pose the greatest risk?
- How should I structure withdrawals across accounts?
Estate & Legacy
- What will my heirs inherit, and what taxes will apply?
- How can I balance leaving a legacy with enjoying retirement?
- What’s the most efficient way to gift or donate?
Cash Flow & Goals
- Am I saving enough to reach my goals?
- Can I help family members financially without derailing my plan?
- How much can I spend on travel or a second home comfortably?
Each engagement is customized to your life, goals, and financial picture — but the outcome is always the same: a clear, actionable plan that helps you make confident decisions for your future.
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