How We Work
No pressure, no jargon, no products. Here's exactly what happens from the first conversation to the years after.
We start with 30 minutes — in the office, by phone or video. You talk; we ask questions. Where are you now, what worries you, what does a good retirement look like? No preparation needed and nothing to sign.
If we're a fit, we gather the details — pension options, accounts, Social Security estimates, taxes — and build a year-by-year model. Then we walk through it together until every line makes sense.
Accounts open at Schwab in your name — we never take custody. Transfers are electronic and usually take one to two weeks; most require no selling and no tax event. Then we build and fund the portfolio around the plan.
We manage, rebalance and monitor. You get a full review every year and a call whenever markets or your life change — a new job, a pension decision, a sale, a loss. Unlimited questions, always.
Before the First Call
But if you'd like the first conversation to go further, these help. None of them are required.
The most recent benefit statement, or the options your HR office has sent you.
401(k)/403(b)/TSP, IRAs, brokerage, savings — approximate balances are fine.
Available at ssa.gov in a few minutes if you don't have one.
Do I have enough? When can I stop? What happens to my spouse? Bring them all.
What to Expect
First conversation
Data gathering and plan build
Plan walkthrough and revisions
Accounts open, transfer, portfolio funded
Reviews, rebalancing, questions
A first conversation is free, unhurried, and comes with no obligation. Bring your questions.