Fee-Only Financial Planning For Retirement Savers Over Age 50 In Dayton & Southwest, Ohio
Retire With Confidence
& Investments Built To Last
You’re Age 50+ & You’ve Saved $750,000+ for Retirement, But You Have Some Big Questions...
Retire With Confidence
Invest For Retirement Freedom
Reduce Your Taxes
OUR SERVICES ARE DESIGNED TO BUILD
Retirement Confidence & Peace of Mind
Whether your ideal retirement includes escaping the Midwest winters or simply living a life of happiness, we are here as your trusted financial partner to help you prepare for the next STAGE of life.
Retirement Planning
Our passion is to help you navigate retirement planning, with confidence. As fee-only financial advisors, we will guide you through every step of your financial journey, ensuring you can confidently live your ideal retirement. If you're already retired, we'll help refine your strategy so that you have the peace of mind that you are looking for.
Income Planning
As fiduciary financial advisors based in Montgomery County, we specialize in creating you a personalized retirement income plan that can adapt as the stock market changes. We will maximize your sources of income including your retirement accounts, pensions, and social security with an emphasis on tax efficiency.
Tax Planning
While taxes are a necessary part of life, annual tax planning can reduce your lifetime tax liability, helping you to avoid leaving the IRS a tip. If you choose our wealth management service and work with a tax professional in Dayton or Southwest, Ohio, we will make sure they have everything they need to file your taxes correctly each year.
Investment Management
Investment management is included in our wealth management service, and is designed to align your investments with your retirement planning goals. We will diversify your portfolio to eliminate any unnecessary investment planning risks and reduce expenses so that you keep more of your hard-earned savings.
Social Security & Medicare Planning
Does the thought of signing up for Social Security and Medicare sound overwhelming? With Stage Ready Financial Planning, you don’t have to navigate this maze alone. We will help you select the optimal time to draw and maximize your Social Security income and budget for the Medicare plan that fits your needs.
Insurance & Estate Planning
We know that even the best financial plans don’t turn out as we expect. We will partner with your attorney and insurance agents to build an insurance and estate plan that protects you and your family. Stage Ready Financial Planning never accepts commissions and doesn’t sell insurance products, helping you feel confident that our advice has only your best interest in mind.
THE STAGE READY FINANCIAL PLANNING DIFFERENCE
Get the Support You Need
Fiduciary Partnership
We are proud to serve the Dayton & Southwest, Ohio communities as fiduciaries. With Stage Ready Financial Planning, you can feel confident knowing that your financial advisor puts your best interest first.
Fee-Only Advisor
Our fee-only service model offers you objective advice with transparent pricing. We never accept commissions. Have peace of mind knowing that we will be your trusted fee-only financial planner.
CFP® Professional
As CERTIFIED FINANCIAL PLANNER® professionals, we are committed to the highest ethical standards and strive to offer you the best advice to help you reach your financial goals.
We are proud members of
THE TRANSITION TO RETIREMENT CAN FEEL COMPLEX
Dayton Client Retirement Success Stories
Laura & Steve
Laura (age 58) & Steve (age 60) are getting serious about retiring while they are healthy to travel, spend time with family in Dayton, & go hiking in their favorite national parks. They aren’t sure if they’ve saved enough to support their ideal lifestyle and are worried about building a reliable income from their investments that can weather volatile markets.
Tim & Sara
Tim (age 67) & Sara (age 68) retired last year in Dayton. They’ve started volunteering for a local charity and joined their neighborhood pickleball league. They haven’t started their Social Security benefits because they aren’t sure how it might impact their taxes. They wonder if they are handling their retirement accounts and investments properly to minimize taxes and maximize their income.
Step 1
A Conversation, Not a Sales Pitch
We start with a brief introductory call. This conversation is all about you: your goals, your concerns, and your questions. The purpose of this first meeting is to see if we're potentially a good fit for each other. No pressure, just an open conversation.
Step 2
A Glimpse into the Possibilities
If we both feel good about our potential partnership, we'll create a personalized, high-level planning overview for you. This gives you a feel for our approach and the value we can provide. And it's yours to keep, no strings attached.
Step 3
Your Vision, Our Guidance
We'll get back together to review your planning overview and discuss how we can help you focus on confidently enjoying your ideal retirement. Imagine the freedom and peace of mind that come with having a trusted partner by your side.
Retirement Planning Is Our Specialty
Stage Ready Financial Planning is a fee-only financial planning firm based in Dayton, OH, proudly serving retirement savers over age 50 ready to confidently transition into their ideal retirement.
You've worked hard for decades, and you want the freedom and peace of mind to live retirement on your terms by spending time with family and friends, traveling, and enjoying hobbies, free from financial stress.
The problem is that transitioning into retirement can feel uncertain and complex. You're wondering if you're truly ready to retire, how to reliably turn your savings into a lasting paycheck, if your investments are set up to support your needs, and how to minimize taxes for yourself and family.
We understand that these financial decisions weigh on you. At Stage Ready Financial Planning, we strive to help you feel secure and prepared. As your fee-only advisor, we will work with you to build a clear plan, align and manage your investments for income, and address tax efficiency, taking complexity and worry out so you can confidently live your ideal retirement.
Retire With Confidence: Your Ultimate Retirement Checklist
Don't leave your retirement to chance! Get our comprehensive checklist and make sure you haven't overlooked any important details before you make the leap!
Latest Insights
Explore tips and strategies on retirement planning, tax efficiency, wealth management, and more.
Our content is tailored for savers 50+ in Dayton and Southwest Ohio, so it’s written with you in mind.
September 8, 2025
How Can Retirees Minimize RMD Taxes? 5 Strategies for You to Consider
Does this story sound familiar? You’ve retired and you’re enjoying your early retirement years, watching your savings continue...
August 26, 2025
What Are the Pros and Cons of Retiring in Ohio?
Updated: August, 26th 2025 Have you lived in Ohio most of your working life and are debating the...
August 25, 2025
How Do I Reduce Expenses in Retirement? 15 Smart Ways to Cut Costs
Picture this: You’re two or three years into retirement, settling into your new lifestyle. Maybe you’re planning that...