Retirement ℞ Plan™
The tangle of retirement tax decisions resolving into a clear, deliberate plan

You have seen the problem. This is the plan that does something about it.

A written set of retirement decisions, built around your numbers. Specific moves, in order, that you can act on. Reviewed by an outside CPA before it reaches you. Yours to keep.

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Engagement fee: $4,200.

The Retirement Tax Diagnostic™ showed you the size of your Lifetime Tax Bill. The Diagnostic names the problem. It does not solve it. The Retirement ℞ Plan offers potential solutions: the specific sequence of decisions that can help change that number, written down and built for your household.

Have not seen your number yet? Start with the Retirement Tax Diagnostic. The plan is the step after the diagnosis.

What you actually get

Not a hundred-page binder you will never open. A clear, written plan of the decisions worth making, in the order to make them, each one tied to your numbers and your situation.

Behind it sits the analysis: lifetime tax modeling, Roth conversion sequencing, Social Security claiming math, IRMAA tier work, withdrawal order, and an estate distribution review. That is the lab work. What you keep is the prescription.

The analysis is the lab work.
The plan is the prescription.

The plan covers all five areas of retirement, weighted toward where the largest dollars actually sit:

  • Taxes — where the money is Roth conversion sequencing, the order and character of withdrawals, IRMAA tier management, the widow’s penalty, and Qualified Charitable Distributions where they apply. For many high-earning households this is often the single largest lever, and one few households have ever seen projected forward.
  • Income How your savings, Social Security, and pensions combine into a predictable monthly amount, after tax, for the rest of your life.
  • Investments How the portfolio shifts from building wealth to drawing income from it, often while it maintains its growth potential. What got you here is usually not what gets you through.
  • Healthcare Medicare enrollment, IRMAA tiers, and a long-term care position consistent with your assets and family history.
  • Legacy What your heirs actually receive after the SECURE Act 10-year rule (as of 2026) has done its work. The number is often smaller than people assume.

Two things few people expect a plan to include

Independent CPA review

A second set of professional eyes, by design

A CPA prepares last year’s return. A retirement plan models the next thirty years. Different software, different horizon, different discipline, and few households have both. Every Retirement ℞ Plan is reviewed by an independent CPA before it reaches you. The projection is not just ours; it has been checked by someone skilled in tax matters.

Your legal documents

The plan and the paperwork, in one engagement

Your Retirement ℞ Plan includes a pre-paid creation/update of your estate planning documents (will/trust, POAs, medical directives) at a strategic partner attorney’s office. Our firm does not offer estate planning, tax or legal advice.

The first meeting takes sixty to ninety minutes.

Schedule your first meeting

Who this is for. Who it isn’t.

This is for you if

  • You are within ten years of retirement, or already retired, with enough in pre-tax accounts — typically $1M and up in 401(k), 403(b), or IRA savings — that the tax decisions can help move real dollars.
  • You want a plan built around your numbers, not generic advice and not a hundred-page software report you will never read.
  • You want clear action items built for your situation, not a stack of analysis to interpret on your own.
  • You are willing to pay for planning the way you pay a CPA or an attorney — for the decisions, not the paperwork.

This is not for you if

  • You want a no-cost consultation. The planning fee is the seriousness filter.
  • You believe Social Security and your 401(k) will sort themselves out.
  • You only want to hear that the plan you already have is fine. We tell you what we find, including what you would rather not hear.
  • You enjoy managing the details yourself. You may not need us.

The engagement fee, stated plainly

Retirement ℞ Plan

$4,200

The full planning engagement across all five areas, reviewed by an independent CPA, delivered as a written plan you keep.

Schedule your first meeting →

The fee is $4,200, due when you schedule your first meeting, before any planning work begins. The plan is yours to keep and act on however you like; whether you ever ask us to manage the money is a separate decision, made later, on your own time.

How it works

  1. Schedule your first meeting Pick a time on the calendar. This is the kickoff for your Retirement ℞ Plan.
  2. Sign the planning agreement You sign the Financial Planning Services Agreement. Your commitment to engage; ours to deliver.
  3. Pay the engagement fee An invoice arrives by email through AdvicePay, our RIA’s payment processor. Once paid, the engagement is set.
  4. The kickoff meeting Sixty to ninety minutes. We gather your tax returns, statements, and the full picture — income, goals, and worries — and, with your spouse, a short values exercise that tells us what matters most to each of you. The planning proceeds from there.
  5. Receive your plan We walk through the finished plan together. It is yours to keep, whether you implement it with us or on your own.

Your plan is built and signed by Todd Talbot, who holds:

  • CERTIFIED FINANCIAL PLANNER™
  • Certified Tax Specialist™
  • National Social Security Advisor Certificate

One meeting gets it moving

If the math has not been run forward, it should be. If you have had it run elsewhere and want a second set of eyes, that works too.

Schedule your first meeting