Income and cash flow
Explore spending, savings and the income your plan needs.
Retirement planning
Make your next
chapter intentional.
A retirement plan connects the income you need with the life you want to lead.
Local guides
Planning where you live.
Retirement Planning in Kentucky
A local guide for people planning retirement in Kentucky.
Retirement Planning in Ohio
A local guide for people planning retirement in Ohio.
The retirement picture
Connect the pieces before you move.
Taxes and withdrawals
Consider the timing and tax impact of retirement withdrawals.
Social Security and Medicare
Review benefits alongside your broader retirement plan.
Inflation and market risk
Explore scenarios and questions with your advisor.
What the firm’s retirement planning covers
- Net worth and cash flow analysis
- Investment and income strategies
- Tax-efficient withdrawal planning
- Social Security and Medicare planning
- Inflation and market scenario testing
- Ongoing monitoring and annual plan refresh
The complimentary review is a starting point. It is not a completed plan and does not promise an outcome.
All 50 states
Retiring in any of the 50 states.
We are based in Kentucky and Ohio and serve clients in all 50 states, meeting in person or virtually.
State income tax on retirement income, property taxes, cost of living, and healthcare access all vary by state. The notes below are general planning considerations. They are not statistics, rankings, tax rates, or a promise about any state.
State income tax
States do not treat retirement income the same way. How a state taxes that income is a planning question.
Property taxes
Property taxes differ by state and by locality. Housing you own or plan to own belongs in the spending picture.
Cost of living
What daily life costs is local. A spending plan has to fit where you live.
Healthcare access
Access to doctors, hospitals, and care differs by state. Location is part of planning for healthcare.
Start with your questions
What does your next chapter need?
Start with your questions. A complimentary review can be a place to begin.
Common questions
Before you ask for a review.
Can I get a second opinion?
The firm offers a complimentary retirement second opinion.
Do you serve clients nationally?
Yes. We are based in Kentucky and Ohio and serve clients in all 50 states, meeting in person or virtually.
How do your fees work?
Our fees are transparent and based on the services we provide and the assets we manage. We believe you should understand exactly what you're paying and what you're receiving in return. Before beginning any relationship, we'll walk you through our fee structure so there are no surprises. Our goal is to make sure the value of our advice goes well beyond the cost. Our typical relationship is to be a one-stop-shop for all of our clients through retirement planning, tax planning, estate planning, and investment management. Our fee typically ranges between 0.8% of the assets we manage to 1.6% of the assets we manage.
Who do you work with? Is there a minimum, or a type of client you focus on?
We primarily work with individuals, families, retirees, and business owners who want a thoughtful, personalized approach to managing their wealth. Our typical clients have $250,000 or more in investable assets, although we consider each situation individually. Whether you're approaching retirement, navigating a major financial decision, or looking to build a lasting financial legacy, we're here to help you make the most of what you've worked hard to build.
What should someone bring to a first conversation?
Nothing formal is required. We simply want to learn about you, your goals, your concerns, and what matters most to you financially. If you have them handy, recent investment statements, retirement account information, or an existing financial plan can be helpful, but don't feel like you need to have everything organized before we meet. The first conversation is about getting to know each other, not doing homework.
Can meetings be by phone or video, or only in person?
Absolutely! We offer in-person meetings at our office in Union, Kentucky, as well as phone and virtual meetings for clients who prefer the convenience of meeting remotely. We work with individuals and families throughout Kentucky, Ohio, and all 50 states. Wherever you're located, our goal is to make quality financial advice accessible and convenient.
A team in your corner
Put a team in your corner.
Bring your goals. Let’s build the plan around them.