Retirement planning for a FLAT monthly fee.
We’ll spend this time really understanding your situation—your goals, concerns, and the questions you need answered. By the end, we’ll both have clarity on what matters most and where to focus our planning efforts to make the biggest difference.
We do something most advisors don’t — before you ever commit, we’ll create a personalized Retirement Blueprint for you. It’s a direct reflection of what you shared in our first call: your key challenges, the opportunities we’ve identified, and a clear roadmap of what we’d work on together. You’ll walk away with real clarity, whether you hire us or not.
Ready to move forward? We’ll turn your Retirement Blueprint into action. Over your first 90 days, we connect accounts, build your income plan, design your tax strategy, and begin coordinating all the pieces. You’ll leave your first quarter with a complete plan and the confidence that comes with it.
If you’re ever unsure, we will simply ask you to think about it. We are looking for long-term relationships, not a quick transaction. If you decide that we aren’t a good fit, we will happily help you find another professional with the right expertise. There is never a hard-sell or pressure to say “yes.”
If you’ve saved diligently for decades but still aren’t sure whether 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, investments, and taxes.
You should consider working with us if you want to:
Most advisors are still running the accumulation playbook — focused on portfolio performance, annual reviews, and a fee model that profits when you keep maximum assets invested. Retirement requires fundamentally different expertise.
Here’s how we’re built differently:
We work with clients in all 50 states — supporting them with retirement income planning, tax strategies, and coordinated investment management.
We make it easy to connect virtually through Google Meet video calls, so we can work together from the comfort of your home — no matter where you live.
Most advisors build portfolios from a risk tolerance questionnaire and a label like ‘moderate’ or ‘conservative’ — with no direct connection to when you actually need the money.
We take a different approach. We start with your income plan and build backward — segmenting your portfolio into near-term reserves, mid-term bridge assets, and long-term growth based on when you’ll actually need to spend. Every dollar has a job. Every investment connects to a specific time horizon.
We implement using low-cost, evidence-based ETFs — capturing market growth while maintaining broad diversification at a fraction of traditional costs.
We’re proud to be fiduciaries, meaning we’re legally and ethically required to act in your best interest – always.
It only makes sense to hire a financial advisor — or any professional — if the value they provide is greater than the cost.
Simply put, the time and effort you save — plus the tax savings and retirement improvements we help you achieve — should far outweigh the fees we charge.
We charge a flat $400 monthly fee for comprehensive retirement planning — covering your income, investment, and tax strategy coordination.
For those who prefer us to also manage their investments, we charge an optional 0.49% annual management fee, less than half the traditional industry average.
Because the majority of our compensation comes from planning fees — not portfolio size — we’re incentivized to help you spend confidently, not keep maximum assets invested. Our process begins with a Retirement Clarity Call to see if we’re the right fit.
We work best with people who need (and want!) an ongoing relationship. At this time, we don’t offer hourly rates or one-time project fees.
If you’re seeking a financial planner for a short-term engagement, we recommend exploring options through XYPN or Garrett Planning Network.
At True Wealth Retirement Partners, we use Altruist as a trusted third-party custodian for our clients’ investment and retirement accounts.
Altruist also offers features like high-yield cash sweep, fractional shares, and securities lending — meaning every dollar in your account works harder.
For more details, visit Altruist Strength, Stability, and Protection.
How much can you spend? Not a probability — a real number. We coordinate Social Security timing, withdrawal sequencing, and spending so you know what your retirement supports.
Your portfolio should match when you need the money — not a risk questionnaire. We build with low-cost, evidence-based ETFs segmented by your income timeline.
Most advisors skip proactive tax work because their model doesn’t reward it. We build year-round strategies — Roth conversions, bracket management, and IRMAA planning.
Monthly Flat Fee
Optional investment management at 0.49% annually. On a $2M portfolio, that’s savings of $10,000+ per year — funding your retirement, not your advisor’s.
We want you to retire happy — and that includes your experience with us. If you ever feel otherwise, we’ll help you find a better fit. No hard feelings.
