Answered plainly.

It’s a planning process for the years between your last paycheck and Medicare and Social Security — when income, health coverage, withdrawals, taxes, and timing all start to overlap.

We look at how those decisions work together so you can see what needs attention now, what can wait, and which options are worth keeping open.

A written plan that shows how to:

• Replace the paycheck with a workable income plan
• Cover health insurance to Medicare
• Plan withdrawals to help your savings last
• Draw from the right accounts at the right time
• Time Social Security carefully
• Avoid unnecessary tax surprises

You’ll leave with clear next steps and a plan you can refer back to as decisions come up.

It’s for people whose paycheck is ending before Medicare or Social Security.

It’s especially useful if you’re trying to figure out whether you can stop working, how to replace the paycheck, what to do about health insurance, when to claim Social Security, how to use your savings, or which financial decisions need attention first.

If you’re still many years away from leaving work and mainly focused on building wealth, this probably isn’t the right fit.

First, we’ll start with a short 20-minute call to learn about you, what’s changing, and the problems you’re trying to solve.

If it looks like the Last Paycheck Plan is a good fit, we’ll schedule a longer planning meeting — usually about an hour — to gather the numbers and understand your household.

Then we’ll build the plan and meet again to walk you through what we found, what needs attention first, and the next steps.

If something is time-sensitive — like health coverage, severance, or an account decision — we’ll prioritize that first.

You may have enough information to move forward on your own. Or you may want help implementing parts of the plan — such as investments, insurance, or other financial decisions.

If there’s a next step we can help with, we’ll explain what it is, what it costs, and how we’re compensated before you decide anything.

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 or recurring planning fee. There’s no cost to build the plan with us.

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.

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.

No. There’s no minimum account size to get started.

No.

The Last Paycheck Plan starts with understanding your situation and the decisions in front of you.

If we recommend an investment change, we’ll explain why, what it would change, and what your alternatives are before you decide anything.

The first call is a short conversation about what’s changed, what you’re trying to figure out, and what decisions are coming up.

We’ll ask a few questions to understand where things stand.

You don’t need to prepare financial statements or gather account balances before we talk. If we move forward, we’ll give you a simple list of the information we need for the plan.

You don’t have to be “retired”.

Some people come to us because they’re thinking about leaving work. Others are facing a layoff, severance, or an unexpected career change. And some plan to keep consulting or working part-time.

The Last Paycheck Plan is built around the financial transition — not whether you consider yourself retired.

You don’t need to simplify anything before you come to us. Bring the complexity. We’ll help organize it.

That’s okay. You don’t have to replace an existing advisor to work through the Last Paycheck Plan.

We can help you look at the transition itself — income, health coverage, taxes, withdrawals, Social Security, and the decisions that connect them.

If you already have professionals you trust, the plan can also help you know what questions to bring back to them and where additional coordination may be needed.

Yes.

We’ll help you compare the options available to you — such as COBRA, ACA coverage, a spouse’s plan, or other alternatives — and look at how the choice interacts with your income, taxes, and the rest of your plan.

The goal is to make sure health coverage is part of the financial decision, not treated as a separate problem.

Taxes are considered alongside the other decisions in your plan — not after the fact.

We look at how withdrawals, Social Security, investment moves, and health-insurance decisions may affect your taxable income and the choices available to you.

When a decision requires tax advice or tax preparation, we’ll help you identify the issue so you can coordinate with the appropriate tax professional.

Yes.

We look at Social Security in the context of your whole plan — not as a stand-alone decision.

That means considering your income needs, savings, taxes, health coverage, spouse benefits, and what happens if you claim earlier or wait.

The goal is to understand what changes the answer before you make a permanent election.