Stop working — without wondering if the numbers work

It’s a written plan for the gap between your last paycheck and Medicare and Social Security — when several important financial decisions often collide at once.

We look at how you’ll replace the paycheck, pay for health coverage, draw from your savings, and decide when to start Social Security. You leave knowing what to do now, what can wait, and which options to keep open — with a plan for income, health coverage, and the years ahead.

A written plan for getting from your last paycheck to Medicare and Social Security.

Your plan will help you:

• Replace the paycheck with a workable income plan
• Find affordable health coverage to Medicare
• Make your savings last
• Draw from the right accounts at the right time
• Time Social Security carefully
• Avoid unnecessary tax surprises

The goal is simple: health coverage in place, a workable income plan, fewer tax surprises, and your best options still open.

There’s no charge for the Last Paycheck Plan.

It’s designed to help you understand where you stand today and what decisions need attention before you make any financial decisions.

Think of it like having your house assessed before you decide on renovations. First, you get a clear picture of what needs attention and what the project actually involves. Then you decide what kind of help, if any, makes sense — and whether you want us to provide it.

We don’t charge an upfront planning fee, or a recurring annual planning fee. There’s no cost to sit down with us and build a plan.

If you choose to open an investment account, purchase an insurance product, or have us manage investments for you, we may be compensated. Certain investment and insurance products pay us a commission, while ongoing investment management is compensated through an asset-based advisory fee.

You’re never required to implement anything through us. Before you make a decision, we’ll explain if there are any costs involved, how we’re compensated, and whether there are ongoing fees so you know exactly how the arrangement works.

No. Some people may have what they need to move forward on their own. Others may want help implementing parts of the plan or ongoing guidance as decisions come up.

Either way, you’ll know what the next step is before you decide whether to take it.