Know Exactly How Much You Can Spend in Retirement

Ongoing retirement income, tax, and investment planning for a flat monthly fee

Hundreds of retirees thought they'd spend retirement constantly worried about money, until they learned this.

For most of your working life, the gameplan was simple: live below your means, save as much as you can, and stay the course. And this discipline built the savings that put retirement within reach.

But once the paycheck stops, the questions change.

• How much can we spend without running out?
• Where should our retirement paycheck come from?
• What should we do if the market crashes right after we retire?
• How do taxes, Social Security and Medicare fit together?

Having someone manage your investments doesn't necessarily mean you have a plan to retire.

You spent decades building your wealth. Now you need a plan for turning it into the retirement you built it for.

An advisor for your transition into retirement, and the decades that follow.

Our Process

3 Simple Steps to a Confident Retirement

What Our Membership Includes:

Your Retirement Deserves More Than an Annual Portfolio Review

We have three dedicated planning meetings throughout the year, beginning, middle, and end, each with a different job:

Between meetings: Unlimited call and email access whenever something comes up. We'll also work directly with your CPA and attorney when needed, so you're not left coordinating everything yourself.

We’re a great fit if:

• You want in-depth personalized retirement planning, not just investment management
• You’re looking for a long-term relationship, not just a one-time plan
  
• You want to know exactly how much you can spend in retirement
• You're looking for a plan that helps protect against market uncertainty and tax changes
  
• You’re not just asking “Do I have enough?”—but “How do I use this the right way?”
• You value a personalized, high-touch approach with direct access and ongoing guidance
  
  

We’re probably not the right fit if:

• You only want investment management
• You’re looking for one-time advice without an ongoing relationship
• You’re primarily focused on beating the market or chasing higher returns
• You’re early in your career and still focused on accumulating savings
• You prefer a fully DIY approach and don’t want active guidance

FAQs

How do you make money?

• We charge a flat $400/month for comprehensive planning, plus an optional 0.49% a year if you'd like us to manage your investments. Because most of our compensation comes from planning, not portfolio size, we can give honest advice on spending.
  
  

What makes you different from other financial advisors?

1. Retirement distribution specialists. We work exclusively with people in or approaching retirement. Social Security optimization, Roth conversions, withdrawal sequencing, IRMAA planning, estate coordination: these are our core competencies, not side offerings.
   
   
2. Planning-first, not portfolio-first. Our meetings don't start with "the market was up 11%." They start with your life: your income needs, tax opportunities, and what matters most this year.
   
   
3. Aligned, flat-fee pricing. Our planning fee stays the same whether you spend $50,000 on a dream trip or keep it invested. We're incentivized to help you live, not hoard. 
   
   

Can you work with clients remotely across the US?

• Yes. We currently work with clients across 20 states and provide the same level of service regardless of location.
  
  

How often will we meet?

• We typically meet three times per year for formal planning reviews. Some years may be much more frequent as life events happen and important decisions need to be made.
  
  

Is this a one-time plan or an ongoing relationship?

• This is an ongoing relationship. Retirement isn’t static, and your plan shouldn’t be either. We continuously monitor and adjust your strategy over time so it stays aligned with your goals.
  
  

Will I be able to reach you when I need help?

• Yes. Our clients highlight our responsiveness as one of our greatest strengths. You can always expect a prompt response and can schedule a meeting at any point during the year.

You've Made It This Far...
Let's Find a Time to Talk

Spend 45 minutes with Tom, no sales team and no obligation, just a clear conversation about your retirement. You deserve to feel clear and confident about what comes next.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Wealth Services, LLC nor any of its representatives may give legal or tax advice.

The views stated in this letter are not necessarily the opinion of Cetera Wealth Services, LLC, and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. Past performance does not guarantee future results.