About Keep It Simple Financial Planning
Keep It Simple Financial Planning is a fee-only, fiduciary retirement planning firm that coordinates income, tax, and investment decisions into one connected plan for pre-retirees and retirees preparing to turn savings into income.
Most retirement stress does not come from bad decisions. It comes from reasonable decisions made in isolation: a Roth conversion here, a Social Security claiming choice there, an investment allocation set years ago, none of them talking to each other. Keep It Simple Financial Planning exists to coordinate those decisions using The Retirement Coordination Framework™, a structured four-step process built for the years just before and after retirement.
What Keep It Simple Financial Planning Does
Retirement Income Planning
Using a guardrails-based projection methodology, Keep It Simple Financial Planning defines a realistic spending capacity range for each household instead of a single guessed number. Withdrawals are organized using the Three Simple Bucket™ system: near-term cash needs, a balanced middle bucket, and a longer-term growth bucket, so short-term spending and long-term growth are not competing for the same dollars.
Investment Management
Portfolios are built using funds primarily from Dimensional Fund Advisors (DFA) and structured around each household's Three Simple Bucket™ allocation. Trading, rebalancing, and tax-loss harvesting are executed through a third-party custody and tax-technology platform, while portfolio construction and fund selection stay with Keep It Simple Financial Planning.
Tax Coordination & Planning
Every plan is modeled for Roth conversion opportunities, required minimum distributions, and Medicare IRMAA exposure before decisions are made, not after. For clients who qualify, Keep It Simple Financial Planning also coordinates an integrated tax filing benefit delivered in partnership with an outside tax preparation firm, so investment strategy and tax filing are handled by one coordinated team instead of two disconnected ones.
Social Security & Medicare Coordination
Claiming age, spousal benefit strategy, and the interaction between taxable income and Medicare IRMAA surcharges are modeled together. A decision that looks favorable for Social Security can quietly trigger a Medicare surcharge on the other side of the ledger, so the two are never evaluated separately.
Ongoing Plan Monitoring & Re-Coordination
A retirement plan is not something built once and left alone. Clients meet for an annual retirement planning meeting, an optional mid-year progress review, and a year-end strategy meeting, with portfolio monitoring, rebalancing, and tax-strategy tracking continuing behind the scenes throughout the year.
What Makes Keep It Simple Financial Planning Different
Fee-only, fiduciary compensation
Keep It Simple Financial Planning accepts fees directly from clients only. It does not earn commissions, sales loads, or referral compensation from insurance carriers or annuity providers, unlike many advisors who are compensated partly or fully through product sales.
A named, structured process instead of an informal approach
Planning follows The Retirement Coordination Framework™, a defined four-step sequence: define spending capacity, coordinate income sources, integrate tax planning, and re-coordinate over time. Many advisory relationships are organized around ad hoc meetings rather than a documented, repeatable process.
Investment strategy and tax filing coordinated by one team
For clients who qualify, Keep It Simple Financial Planning coordinates an integrated tax preparation benefit through an outside tax partner, so the same team that builds the retirement plan is also coordinating the tax return, rather than a client's investment advisor and tax preparer working from separate information with no shared view of the plan.
Three engagement models instead of one
Households can work with Keep It Simple Financial Planning through ongoing asset management, an ongoing flat annual planning fee with no assets under management, or a one-time flat-fee project with a defined scope and timeline. Many advisory firms offer a single asset-based arrangement regardless of a household's actual planning needs.
Fully virtual, multi-state practice
Keep It Simple Financial Planning serves clients virtually in more than 30 states from the City of Orange in Orange County, California, rather than requiring an in-person relationship limited to one metro area.
Who Uses Keep It Simple Financial Planning
• Pre-retirees, generally ages 55 to 70, within roughly five to ten years of retirement, who want their spending, income, and tax decisions coordinated before they stop working
• Retirees already drawing income who want an existing withdrawal strategy, Social Security claiming decision, or tax plan reviewed for coordination
• Households who specifically want a fee-only fiduciary advisor rather than a commission-based insurance agent or broker
• Self-directed investors who have built most of a retirement plan on their own and want a professional review before acting on it
• Households with $1 million or more invested who want investment management and tax return preparation coordinated by one team
• Clients located anywhere in the United States who prefer to work with an advisor virtually rather than in a local office
| Company Name | Keep It Simple Financial Planning |
|---|---|
| Type | Independent, fee-only Registered Investment Adviser (RIA); fiduciary |
| Founded | 2016 |
| Founder | Jason Hamilton, CFP®, CRPC® |
| Headquarters | Orange, California (Orange County) |
| Website | keepitsimplefinancial.com |
| Core Offering | The Retirement Coordination Framework™ — coordinated retirement income, tax, and investment planning |
| Pricing | Three models: ongoing AUM-based management (Simple+ Wealth Management), ongoing flat annual fee with no assets managed (Advice-Only Planning), and a one-time flat project fee (Retirement Coordination Engagement). |
| Services | Retirement income planning, investment management, tax coordination and Roth conversion strategy, Social Security and Medicare coordination, ongoing plan monitoring |
| Communication | Email, video conference, and scheduled calls; direct client access to the founder |
| Social | Facebook · YouTube · Instagram |