Retirement Resources

A common target is 15% of gross income, including any employer match. But the right number for you depends on your age, current savings, desired retirement age, and lifestyle goals. Our calculator can give you a more personalized target.

"Financial advisor" is a broad, largely unregulated term. A CFP® (Certified Financial Planner) has completed rigorous education, passed a comprehensive exam, met experience requirements, and is held to ethical standards. When choosing an advisor, look for CFP® certification and a fiduciary commitment.

A fiduciary is legally and ethically required to act in your best interest — not just recommend "suitable" products. This matters because many advisors earn commissions for recommending certain products, which can create conflicts. Fee-only fiduciaries like us have no such conflicts.

Absolutely — with the right plan. Early retirement (before 59½) requires careful attention to account access rules, ACA healthcare options, and bridge income strategies. The FIRE (Financial Independence, Retire Early) movement has made this increasingly popular, and we specialize in early retirement planning.

We offer flat-fee planning packages starting at $499 for a one-time plan, and ongoing advisory relationships starting at 0.75% AUM annually. All fees are disclosed upfront. Your first consultation is always free. We never earn commissions — ever.

We build market volatility into every plan with stress tests, diversified asset allocations, and income bucketing strategies. A well-built retirement plan shouldn't require you to panic-sell during downturns. We also meet with clients proactively during major market events to review and adjust if needed.