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You've Reached the Destination. Now Set the Course. 

Retirement isn't the finish line — it's the leg that needs the steadiest hand.



components of A COORDINATED RETIREMENT PLAN

Retirement income planning

turning your savings into a paycheck that last

The hardest shift in retirement is going from saving to spending — from a steady paycheck to income you create yourself. We build that income: what to draw, from which accounts, in what order, coordinated with Social Security and any pension. That includes the two biggest one-time decisions — when to claim Social Security (it changes your income for the rest of your life) and, if you have a pension, whether to take the monthly benefit or the lump sum. We model what each choice means so you can decide with clarity, not guesswork.


Tax planning

Keeping more of what you earned


The years around retirement hold the largest tax-planning opportunity of your life — and it’s the one most often missed. We look across multiple years, not just this one: Roth conversions in the low-bracket window, the order you tap accounts, Social Security timing, and Medicare premium thresholds — coordinated with your CPA. The goal is a smaller lifetime tax bill, not just a smaller one this April.

 



portfolio management

Investments—the engine underneath the plan

Your investments matter — but they’re one input to the plan, not the plan itself. We manage them in service of your income and your goals, aligned to your real tolerance for risk, with an annual service calendar and checkpoints built in. When markets move, we watch for the moments that call for an adjustment — easing income up or down temporarily — to help protect how long your money lasts.

 



estate planning

protecting your spouse and legacy

Every couple eventually becomes a single survivor — and a plan that supports two people often doesn’t support one without deliberate design. We plan for that transition up front: income, taxes, and titling that hold up for the surviving spouse. And we make sure what’s left goes where you intend — coordinated with your estate attorney — rather than getting tangled in confusion and taxes.


long term care

Planning for health and the unexpected

Life doesn’t always follow the plan. Health changes, and long-term care is one of the largest risks to a retirement — and to the people you’d leave behind. We help you understand your options and put protections in place before you need them, so a health event doesn’t put your assets or your family in a difficult position. 


services

true course 

Retirement Planning + Investment Management

Our flagship relationship. We build and run your full retirement plan and manage your investments in service of it — one coordinated team for everything.

  • The complete planning system:
    • Reliable income + spending Guardrails + Spending Buckets
    • Multi-year tax coordination — Roth-conversion windows, IRMAA, RMDs
    • Social Security & pension strategy (including lump-sum vs. annuity)
    • Healthcare, Medicare & long-term-care planning
    • Survivor protection for your spouse/partner
    • Legacy & estate coordination
  • Full investment management — allocation built to your plan, tax-efficient asset location, protection from sequence-of- returns risk in the years around retirement, rebalancing, and clear performance & cost-basis reporting.
  • Two Compass meetings – Spring/Summer (Retirement Income Strategy/Tax Strategy) and Fall/Winter (Estate Review/Insurance and Risk Review).
  • Investment check in – Meetings available upon request to discuss performance or portfolio adjustments.
  • True Course clients are invited to attend our private events with our strategic partners and portfolio managers.
  • Ongoing Compass Reviews and your full annual service calendar (below).
  • Always available — call or email me any time a question comes up. That access is part of the relationship, not an extra.

ewealth

Investment Management Only

Professional portfolio management for those who want their investments handled well, without the full planning engagement.

  • Professional portfolio management aligned to your risk tolerance and goals.
  • Asset allocation, disciplined rebalancing, and tax/cost-basis awareness.
  • Two Compass meetings – Spring/Summer and Fall/Winter.
  • Investment check in – Meetings available upon request to discuss performance or portfolio adjustments.
  • Note: this tier does not include the full retirement planning system — add a Readiness Plan below, or step up to the bundled relationship, when you want coordinated planning.
















Planning Only

For those who want expert planning and coordination but prefer to manage their own investments, or hold assets elsewhere.

  • Begins with a FIT meeting to determine your planning scope, cadence of meetings, and duration of our engagement.
  • Planning scope and engagement defined by you and pricing determined after our FIT meeting.
  • An ongoing planning relationship: annual Compass Review plus coordination of the big decisions — Social Security, pension, taxes, healthcare, and income.
















Retirement Readiness Plan - $1,250

Retirement Readiness Plan - $1,250

A clear read on where you stand across the decisions that determine a confident retirement, with a prioritized path forward.

  • Your readiness scored by domain — income, investments, Social Security, pension, taxes, healthcare, survivorship, and legacy.
  • The decisions you can't undo, mapped — pension election, Social Security claiming age, the Roth-conversion window, Medicare & IRMAA timing.
  • Your retirement paycheck — the dependable monthly income your plan is built to deliver, and the road to it.
  • Where to focus first — your highest-impact gaps, in priority order.
  • Two meetings (gather & build, then deliver your one-page plan) plus 3-month Compass Review.
  • Compass Review included in fee and is not extra.
  • Thereafter Compass Review can be scheduled for $625 as an annual update.


Retirement Readiness Sample Plan

Estate Readiness Plan - $1,250

Estate Readiness Plan - $1,250

A clear read on how ready your estate is to do exactly what you intend — protecting the people and causes you care about.

  • Your estate essentials reviewed — will, powers of attorney, healthcare directives, and trust.
  • Beneficiary & titling alignment — making sure your accounts actually match your trust and your intentions (the most common and costly gap).
  • Survivor protection — what happens to income, taxes, and access when one spouse or partner is gone.
  • Tax-efficient transfer — including the post-SECURE-Act inherited-IRA 10-year rule for your heirs.
  • Charitable & legacy intentions — directing what you leave on purpose, not by accident.
  • Heir preparation and coordination with your estate attorney.
  • Two meetings plus a follow-up review.
  • Compass Review included in fee and is not extra.
  • Thereafter Compass Review can be scheduled for $625 as an annual update.


Estate Readiness Sample Plan

Staying on course

A retirement plan isn’t a document you file away — it’s a course you adjust. Markets move, tax laws change, life changes. We meet with you every year to recalibrate: is spending still on track, are there tax moves to make this year, has anything changed that the plan should absorb? That’s how a plan stays useful for 25 or 30 years instead of going stale after one.

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