A real retirement plan covers five areas. Most people have only looked closely at one.
- 01
An income plan review. Where your retirement paycheck comes from each month, and the order you draw from each account.
- 02
A tax plan review. When your Roth conversion window opens, what RMDs will look like, and the withdrawal order that keeps more of what you saved.
- 03
An investment review. What you are paying in fees, how your money is allocated, and how much risk you are actually carrying.
- 04
A protection review. What is covered if health costs rise or a spouse needs care, and where the gaps sit today.
- 05
An estate coordination check. Whether your accounts, beneficiaries, and documents line up with where you want the money to go.
A review at this depth typically runs $895 when a family pays a fee-only advisor for it directly. Every advisor in our network provides it as a complimentary starting point.
By your second meeting, you will have walked through all five reviews with your advisor, and you will know exactly where you stand.
There is no obligation after your review. Every advisor in our network is a fiduciary, required to sit on your side of the table.