STEP ONE: Get On Track with a plan for Retirement

How much do you need for retirement?

How much should you save (or spend)?
How should you invest right now?
Are you missing valuable tax breaks?

Get the answers you need with our Get On Track service.

Whether you're a mid-career practitioner who wants to do the right thing with money or a mature physician who wants to know when it's safe to retire, you can get a personalized plan in just a few weeks.

Our four meeting process helps you…

Put your money into perspective

Are you on FIRE to retire? Or do you love your practice and want a little more time with family? In our first meeting, we will help you turn vague notions into meaningful goals for life after medicine, including fun things like travel with family, weddings, and a second home, and must-have things like cost of living, healthcare, and daily lattes. Our Certified Financial Planner™ professionals will guide you through the goal-setting process and help you crunch the numbers to figure out what everything will cost. If you have college-bound kids (or grandkids), we'll cover those goals too.

See what's working right now

Are you just starting to save for retirement? Or are you sitting on a big pile with a big smile, thinking about the last mile? Either way, our second meeting is all about what you're doing to get ready for life after medicine. We'll take a deep dive into each of your accounts to see how much you're saving, how you're investing, and whether or not you're missing out on tax breaks. And will help you keep everything organized with our secure online portal.

Imagine a better outcome

Wouldn't it be cool if you could predict the future? Your advisor is no fortune-teller, but our third meeting will tell you how much money you'll need for retirement and how likely it is that you'll have enough. Then we can play with the numbers, try on new strategies, and evaluate your options to turn a good earned income into a great life outcome. Clients often tell us this is "super helpful" and "just what I needed."

Know what to do next

It's one thing to figure out how much money you'll need for retirement, but it's an entirely different thing to know exactly how to get there. In our final meeting, your CFP® professional will make specific recommendations about how much to save (or spend if you are retiring soon), exactly how to invest each of your accounts, and what you can do to get the tax breaks you deserve. You'll get it all in writing with a step-by-step to-do list so you can do it yourself or choose our Get On Track service to let us do it for you.

Satisfaction Guaranteed

No one can guarantee the achievement of your goals, but we promise you'll love your plan. If you don't, we'll give you a full refund of the price you paid for your plan.

Get Started

Go to Step Two

Frequently Asked Questions

Who will I work with in the Get on Track service?

You'll be assigned to one of our primary advisors, CFP™ professionals with thousands of hours under their belts serving families like yours. If you want access to the whole team, including Ben Utley, sign up for our Stay on Track service after your plan is complete.

How do we meet?

Making a plan is a collaborative project, so you'll meet with us by video. It's the only way to "see" the future, right?

How often will we meet?

With our Get on Track service, you'll meet with us four times: First, to set some goals, next to let us know what you're doing right now, then to draft your plan together, and finally to discuss our recommendations.

How long will it take?

Each meeting lasts an hour or so, and there is a week or two between meetings. From beginning to end, the whole thing can take as little as three weeks.

What do I get?

You’ll find out how much money you need for retirement. If you're far from retirement, your plan will tell you how much to save. If you hope to retire in less than 12 months, your plan will tell you when it's safe to retire and how much you can spend. In either case, you'll find out if you're missing tax breaks you deserve, plus you'll get specific investment recommendations for each of your accounts.

It comes in a PDF with an easy-to-read to-do list detailing steps you can take to put your plan into action. And if you don't want to do it yourself, sign up for our Stay on Track service once your plan is complete.

Will my plan include specific investment advice?

Yes! You'll get nitty-gritty mutual fund and ETF recommendations for each of your accounts, no matter where they're held. It's the secret sauce other advisors charge a fortune for.

Will my plan also cover college?

If you have kids headed for college, your plan will also tell you how much to save and how to invest.

What if my kids are gone and I am really close to retirement?

Don't worry! We've got you covered. Your plan will tell you when it's safe to retire, how much you can spend and how to optimize taxes on withdrawals.

Can you give me advice about my Fidelity 401(k), my Vanguard IRA, and my Schwab trust account?

Yes, yes, and… Yes! No matter where your money is, if you can log into the account, we can give you advice about it. We'll even put it in writing. Pretty nifty, eh?

I want to buy a (second) home. Can you help?

Yes, and sort of. If it's a retirement home you want, we can certainly include it in your plan. However, if it's a first home you're looking to buy, your plan will tell you how much you must save for college and retirement so you can deduct those amounts from your total income to arrive at how much you have left over to spend on a house and the other important things in life. For granular guidance on buying your first home, sign up for our Stay on Track service after your plan is complete.

Can my plan include money for my extended family?

Yes. If you will be supporting family during the time when you will be retired, we can include this in your plan.

Can my plan include Halal and socially responsible investments?

Yes. Just let us know what's important to you so we can select mutual funds and ETFs to match your values.

What's not included in the plan?

Estate planning tends to drag on for months. Public service loan forgiveness is a perennial political football. And insurance products required the involvement of an agent who might take a long time to get back to us. That's why these and other messy issues are something we cover in the Stay on Track service, which you can sign up for once your plan is complete.

How do I pay for my plan?

You'll pay in advance by credit card through Stripe. If you're not happy with your plan, you can get a full refund with our Regret–Free Guarantee.

How do I get started?

First, take a quick quiz, and if it looks like a match, you can schedule an interview.