At In The Money Retirement Planning, I offer modular financial planning services.

 

That means we can go as deep — or stay as focused — as you need.

​

Some clients want a full, comprehensive retirement roadmap.
 

Others want help solving one specific problem — like Roth conversions, tax planning, Social Security timing, or preparing for a business sale.

​

You only pay for the planning you actually need. Nothing more.

​

Fee-Only. No Commissions. 

I am a fee-only financial planner.

I do not receive commissions.
I do not accept referral fees.
I am not paid to recommend one product over another.

 

That matters because when compensation doesn’t depend on selling something, conflicts of interest are minimized. My focus stays where it belongs — on helping you make smart decisions that move your life forward.

 

For many families and business owners, this structure doesn’t just create clarity — it can save significant money over time.

​

Transparent Pricing

​

After your complimentary consultation, I can usually provide a clear quote.

​

If we stay within the agreed scope of work, you won’t be charged incremental hourly fees. No surprise invoices. No ambiguity.

​

If your needs change, we can always adjust to fit your needs.

​

Everything is discussed upfront.

​

How We Can Work Together

You have three primary options:

 

1. One-Time Engagement

Collaborative, goal-focused sessions

​

This is ideal if you:

​

• Want clarity around a specific financial decision

• Prefer to work side-by-side in structured meetings

• Need a professional second opinion

​

We meet, we analyze, we make decisions — together.

 

This is efficient, focused, and practical.

Pricing: $200-$500/hour depending on complexity. Most clients book a one-hour session. I collect your information before the meeting and we discuss the analysis during our meeting. 50% deposit is required to book an appointment. 

​

2. Project Engagement

Deep, in-depth financial planning

​

This is a comprehensive planning engagement designed to solve larger, more complex issues.

​

Ideal for:

• Pre-retirees within 10 years of retirement

• Business owners preparing for an exit

• Families navigating tax-heavy retirement accounts

• Households wanting a full financial blueprint

• Families looking to establish an estate plan

 

You receive a structured plan covering cash flow, tax strategy, retirement income, investments, risk management, and estate considerations.

​

When the project is complete, you can re-engage in the future as needed.

Pricing: $1,500+ I collect your information before the meeting and we discuss the analysis during our meetings. 50% deposit is required to book a project. Typical projects are 3-6 meetings. 

​

3. Ongoing  Services

Year-round planning, investment management, and accountability

​

This is for individuals and families who want a long-term planning relationship.

Includes:

• Ongoing financial planning

• Investment management

• Proactive tax strategy

• Roth conversion analysis

• Retirement income planning

• Behavioral coaching during volatile markets

• Regular check-ins and decision support

 

We don’t just create a plan — we execute, monitor, and refine it throughout the year.

Pricing:

1) Clients who hire me for Investment Management & Financial Planning pay a quarterly (AUM) Assets Under Management Fee .75%-1.25%

2) Clients who hire me for Financial Planning Only pay a monthly $199-$1,000. No AUM fee is charged. 

 

A Thoughtful, Structured Approach

 

My process is built around helping you:

1. Clarify what you actually want

2. Identify obstacles and blind spots

3. Diagnose root causes

4. Design a clear plan

5. Execute consistently

 

Financial success isn’t about reacting to whatever life throws at you.

 

It’s about making disciplined, informed decisions over time.

 

Next Step

 

Schedule a complimentary consultation to discuss your goals and determine which service model fits best.

You’ll leave that conversation with clarity — whether we decide to work together or not.

​​

Important Disclosure

This information is provided for general reference and discussion purposes only. A signed and dated Advisory Agreement is the only official source of fee quotes and the only binding offer for services recognized by In The Money Retirement Planning. Actual fee estimates may differ based on specific client circumstances.

​

Payments are accepted via credit card or check. Details will be provided upon engagement.