Answered plainly.

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.

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.

It’s for people who are preparing to leave work soon — or have recently retired — and need to make the financial transition from a paycheck to retirement income.

It’s especially useful if you’re trying to figure out where your monthly income will come from, how to bridge healthcare costs until Medicare, when to claim Social Security, how to draw from savings without using too much too soon, or how withdrawals could affect your taxes.

If retirement is still several years away and your main focus is growing your savings, this probably isn’t the right fit yet.

We’ll start with a short 20-minute call to learn what’s changing, what you’re trying to figure out, and whether this is a good fit.

Then we’ll schedule a longer meeting — usually about an hour — to gather the numbers and understand your household.

After that, we’ll meet again to walk through what we found, which decisions matter most, and what deserves attention first.

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

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.

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.

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

No. You can start the Last Paycheck Plan without moving your investments or opening a new account.

We’ll first look at what you already have, how it fits your retirement income needs, and whether anything actually needs to change.

If we believe a change could help, we’ll explain why, what it could improve, and what your alternatives are. You decide whether to make any changes.

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 to move forward.

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 can help you understand the financial tradeoffs between options such as COBRA, ACA coverage, a spouse’s plan, or other available coverage — including how premiums, deductibles, and household income may affect the bigger retirement picture.

The goal is to make sure healthcare costs are accounted for before you make other retirement-income decisions.

Taxes are considered alongside your retirement-income decisions — not after the fact.

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

If something requires tax advice or tax preparation, we’ll identify the issue so you can coordinate with the appropriate tax professional.

Yes.

We can look at how different claiming ages may affect your monthly income, how much you may need to draw from savings, and the income available to a surviving spouse.

The goal is to understand how Social Security fits into the rest of your retirement income — not treat it as a stand-alone decision.