Retire with clarity, not guesswork.
Free, professional education for the people who have the most to plan for, and the most to lose by getting it wrong.
Retirement income planning that makes your savings last
You spent decades building it. Now the question changes from growing your money to making it last. Smart retirement income planning means coordinating tax-smart withdrawals, Social Security timing, Roth conversions, and RMDs so you keep more of what you earned and protect against a downturn early in retirement. Our education sessions walk through the decisions that shape your income for the next thirty years.
- Will my money last as long as I do?
- How do I draw income without a painful tax bill?
- What do I do about required minimum distributions?
- How do I protect what I have from a market downturn near retirement?
- How do I leave a legacy the way I intend?
Online Workshops for Retirees
Join a free online workshop on Social Security & Medicare or Tax-Smart Income Planning, drawing reliable income while keeping more of it in your pocket.
Led by a CFP® professional, the gold standard in financial planning.
Browse Workshops Have your documents ready? See the checklist & book a 1-on-1 →A personal income plan for business owners, beyond the business
For most owners, the business is the retirement plan. That works until you need income that does not depend on the business running forever. A real business owner retirement plan turns concentrated value into diversified, dependable personal income, with succession and exit planning, the right retirement structure for you and your team, and a clear path from “my business is my plan” to a plan that stands on its own.
- How do I turn my business or career into lasting retirement income?
- What is the smartest way to plan an exit or succession?
- How do I manage the tax hit when wealth is concentrated?
- How do I coordinate everything so the pieces work together?
- Am I actually on track, or just busy?
A Private Planning Conversation
A no-cost, one-on-one Zoom meeting with Ruth or David Thomas to turn your business and career into dependable retirement income.
Schedule a Zoom Meeting Interested in Social Security & Medicare? Join a workshop →
Federal employee retirement planning built around your FERS benefits
Your federal benefits are worth more than most people realize, and the choices are not always reversible. Federal employee retirement planning means getting the big decisions right: your FERS or CSRS annuity and survivor election, TSP strategy, and FEHB coordination as you approach retirement. As a ChFEBC advisor, I focus on the rules that are specific to federal employees so nothing on your benefits statement gets left on the table.
- Am I reading my FERS or CSRS pension correctly?
- What should I do with my TSP at retirement?
- When is the right time to retire, to the day?
- How do survivor, FEGLI, and FEHB decisions fit together?
- How do I coordinate Social Security with the rest?
Your Federal Benefits, One on One
A private, no-cost Zoom meeting with Ruth to walk through your FERS or CSRS pension, TSP, and survivor decisions, built around your benefits.
Schedule a Zoom Meeting Or get the free federal guide →