What we do

We provide ongoing financial planning, retirement planning, and investment management for people who are retired or approaching retirement.

We build a plan custom made for your life, and make sure it stays updated with all of life's changes.

Services

Ongoing planning and investment management

One relationship that covers your retirement income, tax planning, and investments, and keeps the plan current as your life changes.

What you get

  • A plan built around your goals

    We start with what you want retirement to look like, then build everything else to support it.

  • A paycheck from your savings

    What you can spend each year, when to claim Social Security, which account the money comes from, and guardrails for when markets move.

  • Taxes planned during the year

    Roth conversions and withdrawals sized while there is still time to change the outcome.

  • Investments built to be spent from

    A low-cost, diversified portfolio, held in your name at Altruist.

  • Insurance and estate review

    Long-term care, Medicare, beneficiaries, and making sure what you have goes where you want it to.

  • Someone in your corner

    Two planning meetings a year, a call whenever something comes up, and direct work with your CPA and attorney.

What it costs

1% of the investments we manage, stepping down as those assets grow, with a $10,000 annual minimum. The minimum is higher for more complex situations, like business ownership or multiple rental properties. Billed quarterly. You'll have your exact number before you sign anything.

See if we're a fit

Our process

Your retirement plan shouldn't feel like a second job. We build a simple, easy-to-follow roadmap so you can have confidence in your retirement.

  1. 01

    Discovery meeting

    45 min, complimentary

    We'll talk about what you want retirement to look like, what you're looking for in an advisor, and whether working together makes sense. If for any reason we're not the best fit, we'll point you in the right direction.

  2. 02

    Your retirement roadmap

    We turn what you shared into a one-page retirement roadmap. It lists your primary goals and the planning opportunities we see in your retirement income, taxes, risk, and investments, along with what it would cost.

  3. 03

    Roadmap meeting

    We go over your roadmap, answer your questions, and explain what working together would look like. If a meeting isn't needed, we'll simply send it to you.

  4. 04

    Mull it over

    Nobody should rush this. Take the roadmap home, answer four questions for yourself, then reply by email or book a short call:

    • Do I feel comfortable working with Jacob and Styra?
    • Will the benefits exceed the cost?
    • Do I understand and agree with the investment philosophy?
    • Do the planning opportunities make sense to me?
  5. 05

    Sign and begin

    When you're ready, you sign the agreement electronically and onboarding begins. From there, we build your full plan and put it to work.

The ongoing work

Onboarding ends and the relationship starts. Two scheduled meetings anchor the year, one at midyear and one before year-end.

  1. Summer

    Mid-year review

    Your income, your cash reserve, this year's taxes so far, and anything that changed.

  2. Fall

    Year-end planning

    Roth conversions, required withdrawals, charitable giving, and the moves that still fit before December 31.

  3. All year

    Whenever something comes up

    An inheritance, a market drop, a move. Reach out when it happens, and we work through it then.

Included all year: investment management, income guardrails, and direct access to Jacob.

Have questions? Read the FAQ →

Start at step one.

See if we're a fit

CPA · CFP® · Fee-Only · Phoenix, Arizona