What It’s Like to Work with Atomic

Our proven, step-by-step process to help you feel confident and in control of your retirement.

  • We call this 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.

    After you sign the paperwork, we’ll kick off your guided planning process together.

  • Get clear on what matters most.
    This is where we start digging into your goals, values, and lifestyle. We’ll also get a snapshot of your current finances so we can build a plan rooted in real numbers and real priorities.

  • Turn your savings into a steady retirement paycheck.
    We’ll map out how to turn your 401(k)s, IRAs, Social Security, and other assets into reliable income—and show you what it could look like year by year.

  • Align your portfolio with your plan.
    Now that we know what your money needs to do, we’ll make sure your investments are built to support it—with the right mix of risk, growth, and flexibility.

  • Keep more of what you’ve saved.
    Smart tax planning can make a big difference in retirement. We’ll show you where you might be paying more than you need to—and build a long-term strategy to help reduce your tax bill over time.

  • Make sure everything stays on track.
    We’ll review your estate plan and insurance coverage so the plan you’ve built is protected and your wishes are clear.

  • We’re with you for the long haul.
    We’ll meet with you each spring and fall—and you’ll hear from us regularly in between. Questions? You’ll always know who to call, and we’ll get back to you fast.

Frequently Asked Questions

  • Always. We’re fiduciaries, which means we’re legally and ethically required to act in your best interest—and we wouldn’t do it any other way. That’s how financial advice should work.

  • Most families we work with pay a 1.00% annual fee, billed monthly, on the assets we manage.

    And that fee automatically goes down as your accounts grow.

    No hidden fees. No commissions. No product sales.

  • They can—but it depends on your situation. We’ve helped some clients project six-figure tax savings by spreading out conversions over time. It’s all about timing and having a smart strategy.

  • Yes—we’ve written about one couple’s plan here.

  • We check in quarterly and meet twice a year—once in the spring and once in the fall—to review your plan and make sure everything stays on track.

    In between, you’ll get a short weekly newsletter with planning tips, timely updates, and reminders to help you stay informed without the overwhelm.

    And if something comes up, just reach out. We’re quick to respond—usually the same day.

  • Your investments are held securely at Altruist, a trusted custodian that works with independent advisors like us. They handle the behind-the-scenes work—like asset storage, trading, and reporting—so we can focus on your planning and investment strategy. LEARN MORE

  • Absolutely. We’re happy to coordinate with your CPA or estate attorney to make sure your financial, tax, and legal strategies all work together. Don’t have one? We can connect you with trusted professionals from our network. You’ll also get access to a digital estate planning tool (included at no extra cost) that lets you create and manage state-optimized legal documents like:

    • Revocable Trust & Pourover Will

    • Last Will & Testament

    • Financial Power of Attorney

    • Advance Health Care Directive

    • Guardianship Nominations

  • Not at all. We work virtually with retirement savers across the country. Wherever you’re located, we’re ready to help. SCHEDULE HERE.

Is Our Planning Approach Right for You?

Find out in about 60 seconds👇