A Retirement Planning Process Built Around You

For pre-retirees with $1M+ in savings, the decade before retirement is the most important planning window of your life.

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Explore
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Discovery
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Income
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Investing
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Taxes
🛡️
Legacy
🤝
Support

Explore Atomic

The Explore Call

No pressure, no prep. Just a chance to talk about what you're looking for and see if we're the right fit to help. If it's a fit, we'll move forward. If not, we'll still do our best to point you in the right direction.

Discovery

Get clear on what matters most.

We take a deep look at where you stand today: your accounts, income sources, tax situation, Social Security options, and spending needs. You'll get a clear picture of what your retirement looks like on paper.

Income

Turn savings into a retirement paycheck.

We'll map out how to turn your 401(k)s, IRAs, and other assets into reliable income, showing you what it looks like year-by-year using flexible withdrawal strategies.

Investing

Align your portfolio with your plan.

We align your portfolio with your income plan so your investments are doing the right job at the right time — balancing growth with the stability needed for withdrawals.

Taxes

Keep more of what you've saved.

We model your tax situation across multiple years, identifying Roth conversion opportunities designed to reduce your lifetime tax bill, potentially by six figures or more.

Protection & Legacy

Make sure everything stays on track.

We review beneficiary designations and estate documents to ensure your plan holds up. You'll also get access to our digital estate planning tool to create key legal documents.

Ongoing Support

A partner for the long haul.

Planning is a process, not an event. We provide ongoing monitoring, annual tax reviews, and proactive adjustments as your life and tax laws change.

Start With the Explore Call

What Working Together Actually Looks Like

If we both feel like there is a good fit, we move into the Discovery phase. We will schedule a deeper conversation to learn about your goals, your current accounts, and what you want retirement to actually look like. From there we build your plan.
Most clients have a complete retirement plan within 60 to 90 days of starting. We move at a pace that works for you, but we do not drag it out. The sooner your plan is in place, the sooner it starts working.
Not much. A recent statement from your 401(k) or IRA, a rough sense of your monthly spending today, and an idea of when you want to retire. We will guide you from there.
You will work directly with Ryan. We intentionally keep our client count low so every client gets personal attention.
We meet twice a year for strategy sessions, check in quarterly, and will proactively reach out whenever necessary. If something comes up between meetings, you reach out directly and typically hear back the same day.
We've partnered with Altruist, a trusted independent custodian, to do our best work for you. New clients transfer their accounts there as part of onboarding. It is quick and easy, and we walk you through every step.
That is exactly what ongoing support is for. Life changes and your plan should too. Retirement date shifts, a job change, an inheritance, a health event. We adjust the plan when things change, not just at the next scheduled meeting.