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How May I Help You?
You lead at work.
You lead at home.
At In The Money Retirement Planning, we specialize in helping pre-retirees transition from the working years to the retirement years.
You’re spending years building — your career, your business, your relationships. Now, the question becomes:
How can my retirement plan support the lifestyle I want to live?
That’s where I come in — to help you design a plan that brings structure to your success and peace of mind to your future.
A plan built to help you live your best life in retirement!
Schedule an introductory meeting to see how we can help you.
What You Can Expect
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A judgment-free space where your goals, values, and vision for the next chapter drive every decision.
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Smart, personalized strategies covering your Investments, Estate Plan & Tax Plan.
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A long-term partnership with a guide who looks beyond your investment accounts and looks at what lifestyle you are trying to achieve in retirement.
Comprehensive, Connected Advice
I integrate financial planning & investment management— all under one roof. You’ll receive guidance to ensure your plan is proactive & consistent across all areas.
Founded by Marc Lowe, CFP®, In The Money Retirement Planning was created with one mission:
to use financial planning as a tool for empowerment — helping pre-retirees and business owners make confident decisions about the wealth they're working hard to build.
Here to inspire you to make a bigger impact in your life financially.
What happens if you don’t have a solid Financial plan?
👉Feel anxious about your retirement finances.
👉Face uncertainties during economic downturns.
👉Overpay in unnecessary taxes.
👉Leave your future to luck instead of planning.
👉Experience regret over missed opportunities.
👉Risk losing wealth during a business sale.
👉Make costly mistakes that cannot be undone.
👉Struggle to replace your work income.
How Do Fees Work?
At In The Money Retirement Planning, we believe in transparent, straightforward pricing. We are a fee-only firm, which means we don’t earn commissions or sell products—our only compensation comes directly from our clients, ensuring our advice is always in your best interest.
We offer three primary service models:
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Comprehensive Planning & Investment Management: Ongoing, full-service support—including financial planning, tax strategy, investment management, and regular reviews—Ranging from .7% -1.25% depending on level of assets being managed. Asset minimum of 200k.
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Financial Planning-Only (Flat Monthly Fee)::For clients who prefer to manage their own investments but still want personalized financial guidance, we offer a Financial Planning-Only package. Fee: $99-$1,000/month, with onboarding fee of $2,000.
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Hourly Planning (Pay by the hour)::For clients who prefer to meet hourly to have some work done on a specific topic. We charge $200/hour.
All fees are clearly outlined before any work begins. No surprises. No hidden costs. Just trusted, professional advice—tailored to your life.
If your net worth is less than $1M and you are under 40 years old, ask us about our Wealth Builder package. Fees for this service start between $99-$299/month and are offered on a limited basis.
Here to Help You Address Those Hard Questions
With my expertise, you’ll feel empowered to make informed decisions.
10+ Years of Expertise
Required to act in client's best interest.
Certified Financial Planner
The gold-standard certification in financial planning.
The Financial Journey feels less stressful with a trusted guide watching over your shoulder.
3 Simple Steps to Sharpen Your Strategy
Take control of your Wealth with confidence.
1. Get Your Financial Health Checkup
2. Set Your Financial Goals
3. Make Your Financial Game Plan
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Provide Basic Financial Data
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Set goals for financial security, family harmony, career advancement, asset protection, early retirement, or all of the above.
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Make your game plan with your current financial status with assets, liabilities, cash flow, insurance coverage, and tax strategies.
Fee-Only & Fiduciary If you have spoken to a financial advisor before there is a strong chance that you have spoken with a Stockbroker and/or insurance representative who receives a hefty commission check for a product they are selling. The fees of commission-based agents and brokers are tied to specific products and transactions. This model misses completely much of what clients need. Although even commission-based agents can serve their clients in unique ways, product commissions seem a backhanded way to acquire comprehensive wealth management.
Fiduciary
No Commissions. No Surrender Fees. Unlike much of the Financial Industry, I do not sell commissioned products. No Surrender Fees Ever.
Transparency
Independently Owned Because I am not tied to any large Bank, Brokerage, Insurance Company I do not answer to anyone but you.