More Than Monday

Stop working — without wondering if the numbers work

Enough income. Affordable health coverage. Fewer tax surprises.And confidence that your money will last.

A single line runs from your last paycheck into a tangle labelled health insurance, taxes, Social Security timing, withdrawal timing, and spouse's income — then straightens out and continues to Medicare and Social Security.

See where you stand

Where are you right now?

  • I’m thinking about leaving work

    Can I really turn off the paychecks and make the numbers work?

    • Health Insurance
    • Income
    • Taxes
    • Social Security
    Start here

  • My job is ending soon

    What do I need to do right now — and what should wait?

    • COBRA vs. ACA
    • Severance
    • Deadlines
    • 401k Decisions
    Start here

  • I’ve already stopped working

    How long will my money last — and can I afford to stay retired?

    • Monthly Income
    • Health Costs
    • Withdrawals
    • Social Security
    Start here

  • I’m about to make a big financial decision

    What else could this decision change?

    • 401k Rollover
    • Early Access
    • Taxes
    • Social Security
    Start here
Sean Loomis teaching a room of people, working through numbers on a whiteboard.

The challenge isn’t makingthe right decision.It’s making a series of gooddecisions in the right order.

The Last Paycheck Plan

Turn your retirement date into a clear monthly income plan.

Enough income to live on. A clear path to Medicare. Fewer tax surprises. And good decisions, in the right order.

A sample Last Paycheck Plan: several stacked pages showing a household summary, an income-gap chart, a retirement timeline, asset allocation, a year-by-year cash flow table, withdrawal sequencing, and a tax estimate.
Sample illustration. Your results are based on your own numbers.

What we’ll work through

  • How much monthly income you’ll need to maintain the life you want
  • How to turn savings into income without using too much too soon
  • How to get the most lifetime income from Social Security without putting pressure on the rest of your savings
  • How to cover healthcare costs without derailing your retirement
  • Which accounts to draw from first to reduce avoidable tax surprises
  • How much cash to keep on hand so you’re not selling investments in a down market
  • Which decisions need to happen before retirement — and which can wait

I have no words to describe how helpful this was. Well thought out, easy to understand, and can implement immediately.

— Mike L.Jupiter, FLMike L. is a client. No compensation was received for this statement. One person’s experience; not a guarantee of similar results.

What to expect

  1. Step 1

    See if it fits

    Answer a few short questions. If it looks like we can help, you can book a 20-minute conversation.

  2. Step 2

    Run the numbers

    We’ll look at your income needs, savings, Social Security, healthcare costs, taxes, and the decisions coming up next.

  3. Step 3

    See your full retirement picture

    See where your monthly income will come from, which decisions could affect your taxes or healthcare costs, and what needs your attention now.

Answer a few questionsNo account minimums. No upfront planning fees.Estimates are enough to start.

Frequently asked questions

What exactly is the Last Paycheck Plan?

A retirement-focused review for people who are nearing the end of their working years or have recently retired.

We’ll start with a complimentary Financial Needs Analysis, then look at how your income needs, savings, Social Security timing, healthcare costs, withdrawals, and tax considerations fit together.

By the end, you’ll have a clearer picture of where you stand, where your monthly income may come from, and which retirement decisions deserve your attention now.

What will I walk away with?

You’ll leave with a clearer monthly income target, a better understanding of how your savings and Social Security can support it, and more clarity around the decisions that could affect your taxes, healthcare costs, and how long your money needs to last.

You’ll know what deserves attention now, what can wait, and which choices are worth getting right before they become harder to change.

How do you get paid?

We don’t charge an upfront or recurring planning fee.

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 move forward with anything. Before you do, we’ll explain the costs, how we’re paid, and any fees involved.

Do I have to become a client afterward?

No. Some people leave with enough clarity to handle the next steps on their own.

Others may want help putting certain decisions into action or ongoing guidance as retirement unfolds.

Either way, there’s no obligation to keep working with us.

See all questions

Sean Loomis sitting at a dining table with a couple, going through a plan on a laptop.

Let’s make the numbers work for your household.

Tell us what’s changed and what you’re trying to figure out.Answer a few short questions.

Get started