Your plan includes a retirement projection built on historical assumptions, stress-tested across real-world scenarios. I develop a coordinated withdrawal and tax strategy—including Roth conversions with attention to IRMAA—review your investments, and optimize Social Security claiming to support sustainable, after-tax retirement income. Your Roth conversion strategy should be reviewed annually and requires a tax projection before implementation. This plan will provide an overall direction of whether you are a good candidate.

Plans start at $3,800.

If you’re a good candidate for a Roth conversion in a given year, a tax projection can be added through my hourly service. These analyses are completed in the fourth quarter and only when they meaningfully support the planning decision.

Clients receive a one-page action plan delivered as a PDF, along with supporting analysis reports generated in Income Lab. Sample reports are available upon request—please email me if you’d like to review an example

I use Income Lab because it provides a more realistic and transparent view of retirement than traditional projections. Instead of relying on a single assumed rate of return, it uses real-world historical data—including periods like the 2008 financial crisis—to stress-test your plan across thousands of market scenarios. All investment recommendations are built using low-cost, index-based ETFs, reflecting my belief that capital markets work well and that disciplined, diversified investing is the most reliable foundation for long-term retirement planning.