How We Help
Retirement planning is less about finding the “best” investment and more about coordinating the decisions that matter most once work ends. We help clients approach retirement with clarity by aligning spending, income sources, and tax planning—so decisions work together, not in isolation.
Who We Help Best
We work best with individuals and couples who are approaching retirement or already retired and want clarity around the decisions that come with turning savings into income.
Our clients are often asking questions like:
• How much can we safely spend?
• Which accounts should we withdraw from—and when?
• How do taxes affect our retirement income now and later?
• What happens if one spouse passes away?
Our Approach: The Retirement Coordination Framework™
Accumulating money is forgiving. Retirement requires more precision — that’s where coordination becomes important.
The Retirement Coordination Framework™ is our structured approach to retirement planning. Rather than treating retirement as an investment problem, the Framework focuses on coordinating the decisions that matter most once work ends.
In retirement, decisions around spending, income sources, and taxes are deeply connected. When those decisions are made in isolation, even small missteps can create unnecessary stress or long-term consequences. Coordination helps reduce unforced errors and brings clarity to complex choices.
What We Coordinate
Spending
We help determine sustainable retirement spending and guardrails, so you can enjoy retirement without constantly second-guessing your decisions.
Income Sources
We coordinate where income should come from—retirement accounts, Social Security, pensions, and other sources—so withdrawals follow a thoughtful sequence instead of guesswork.
Taxes
We integrate tax planning into retirement decisions to help reduce avoidable taxes today and manage future tax exposure, including planning for the surviving spouse.
The First Step: Retirement Coordination Engagement™
For most clients, the best place to start is a focused planning engagement designed to bring clarity and coordination to retirement decisions.
The Retirement Coordination Engagement™ uses the Retirement Coordination Framework™ to help align spending, income sources, and tax planning so you clearly understand your options, tradeoffs, and next steps.
This engagement is intentionally designed as a decision-making foundation. It helps establish whether retirement decisions are imminent, what adjustments may be needed, and whether ongoing coordination makes sense moving forward.
Fee:
One-time fee: $7,500
What Happens During the Engagement
Clarify the Questions
We start by understanding the decisions you’re facing and what clarity you need to move forward.Coordinate the Key Decisions
Using the Retirement Coordination Framework™, we align spending, income sources, and tax planning into a cohesive plan.Evaluate Tradeoffs and Scenarios
We explore different paths and outcomes so you understand not just what could work, but what fits best.Define Next Steps
At the end of the engagement, you’ll have clear guidance on what to do next—and whether ongoing coordination is appropriate.
Ongoing Coordination: Simple+ Wealth Management
For clients who want continued guidance as decisions are implemented and refined over time, we offer Simple+ Wealth Management.
This ongoing relationship builds on the foundation established during the Retirement Coordination Engagement™ and focuses on maintaining alignment as life changes, markets shift, and tax rules evolve.
Ready for Clarity?
If you’re ready to bring clarity and precision to your retirement decisions, the next step is a conversation.