Retirement planning for people who’d rather be retired.
I work with a small number of families who are five to ten years from retirement, or already there. You get one planner, a written plan, and straight answers about the questions that keep you up at night.
- A year-by-year income plan you can actually follow
- Social Security and pension timing, modeled side by side
- Tax-smart withdrawals across IRAs, 401(k)s, and savings
- A standing review every six months, and a phone call anytime
The three questions every retiree asks.
Your plan answers each one in writing, with your actual numbers.
When can I retire?
We model your savings, pensions, and spending to find the earliest date that still feels safe.
How much can I spend?
A monthly paycheck from your savings, with guardrails that adjust if markets turn.
Will it last?
Stress tests for long lives, high inflation, and healthcare costs, so there are no surprises.
Four meetings to a plan you can trust.
Get acquainted
A free 30-minute call to see if we’re a good fit.
Gather the picture
We collect statements, pensions, and goals in one secure place.
Present your plan
A written plan walked through in person, with every question answered.
Stay on track
Reviews twice a year, plus a call whenever life changes.
Retired, and finally relaxed about money.
Graham showed us we could retire two years earlier than we thought. For the first time, I’m not checking the market every morning.
Selling my shop was the biggest decision of my life. Graham planned the taxes and the income so I could step away without worrying.
He explained our pension options in plain English and never once tried to sell us a product. That’s why we stayed.
Find out if you’re on track.
Book a free 30-minute consultation. You’ll leave with a clear sense of where you stand, whether or not we work together.