Know exactly what you can spend in retirement.

If you've saved well but still aren't sure you can afford the retirement you want, you're not alone.

The strategies that built your wealth don't come with a playbook for spending it. We help you make that shift with a coordinated plan across your income, taxes, and investments. Consider working with us if you want to:

1. Know exactly what you can spend, with real numbers, not vague probabilities.
2. Use proactive Roth conversions, withdrawal sequencing, and bracket management to help lower your lifetime tax bill.
3. Invest for income, not just growth.
4. Spend more time doing the things you love instead of worrying about money.
5. Ensure your spouse and heirs have a trusted professional to lean on.

A flat $400/month for comprehensive planning, plus an optional 0.49% a year if you'd like us to manage your investments.

No commissions and no hidden costs. Because most of our compensation comes from planning, not portfolio size, our advice on spending stays honest.

Yes, always, and you don't have to take our word for it.

As fiduciaries, we're legally and ethically required to act in your best interest, on every recommendation. When you're vetting any advisor, three questions cut through it:

• Are you a fiduciary 100% of the time, in writing?
• How are you paid? (Fee-only advisers take no commissions or product kickbacks.)
• Do you specialize in retirement, not just growing assets?

You can verify any adviser's registration and history for free at adviserinfo.sec.gov, and a CFP at cfp.net.

We're built for the spending phase of life, not just the saving phase.

Most advisors still run the accumulation playbook: portfolio performance, annual reviews, and a fee model that profits when you keep maximum assets invested. Here's how we're different:

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. No commissions. No hidden costs.

Distance is rarely the problem, we meet entirely by video.

Whether you're across town or across the country, we work together over Google Meet, so you can plan from the comfort of home.

We work with families in Michigan and other states where we're registered or exempt from registration. Just ask and we'll confirm we can work together in your state.

We start with your income and tax plans, then build the portfolio around them, not from a risk questionnaire.

Most people we meet are unsure which approach is right, and every firm has something shiny to pitch. Until the marching orders are clear, how much income you need and how to structure accounts for taxes, picking an approach is a bit like pin the tail on the donkey. Once the plan is clear, the right approach gets obvious: near-term reserves, mid-term bridge, and long-term growth, each tied to when you'll spend the money.

We implement with low-cost, evidence-based ETFs. Cutting the layers of fees and high-cost funds people pay elsewhere was a big reason I started True Wealth: a well-designed allocation here averages about 0.18% in annual fund expenses.

The 0.18% figure is an illustrative average; actual fund expenses vary by allocation and are separate from True Wealth's advisory fees.

Not at this time. We work best in ongoing relationships, so we don't offer hourly or one-time project fees. For short-term help, look at XYPN or the Garrett Planning Network.

At Altruist, an independent third-party custodian, in your name.

• You can view your accounts anytime at altruist.com.
• Altruist safely holds your investments and reports annually to you and the IRS.
• Added perks: high-yield cash sweep and fractional shares, so every dollar works harder.

More on their safeguards: Altruist strength, stability, and protection.

Fiduciary status, transparent fees, and genuine retirement specialization.

The skills that grow wealth aren't the same as the skills that turn it into income. A retirement-focused advisor coordinates three things as one plan: an income plan (how much you can spend and where it comes from), a tax plan (Roth conversions, bracket management, RMDs, and IRMAA), and an investment plan built around when you'll actually need each dollar. It's worth asking whether an advisor does proactive, year-round tax planning or simply manages investments.

It replaces your paycheck with a reliable, tax-efficient stream of income from Social Security, pensions, and your savings.

A retirement income plan answers how much you can sustainably spend, which accounts to draw from and in what order, when to claim Social Security, and how to avoid selling investments at a loss during a downturn. The income plan is built first, and the tax and investment plans are designed around it, so every dollar has a job and a timeline.