Retirement Planning That Stays In Step With Your Life
Fee-only wealth management for Dayton and Southwest Ohio retirees, designed to handle the math so you can enjoy the music.
You’re age 50+ & you’ve saved $750,000+ for retirement, but you have some big questions...
Orchestrate Your Retirement
Arrange Your Investments
Reduce The Noise
SERVICES DESIGNED TO COORDINATE
Retirement Clarity & Financial Harmony
Whether your next chapter includes escaping the Midwest winters or enjoying time with family, I'm here as your trusted financial advisor to ensure you are "Stage Ready" for retirement.
Retirement Planning
My passion is to help you arrange your retirement plan with total confidence. Together, we'll review every note of your financial life to ensure the transition from working to your next act is seamless. Whether you are still planning for the big day or you’ve made the leap, I will help refine your strategy so you can focus on enjoying retirement.
Income Planning
A successful retirement requires a steady rhythm of income. I'll help you synchronize your 401(k), Roth IRA, Social Security, and other assets to create a predictable paycheck that keeps pace with your lifestyle. Our work will ensure your cash flow never skips a beat, regardless of what the markets are doing.
Tax Planning
While taxes are a necessary part of life, annual tax planning ensures you aren't leaving the IRS an unnecessary "encore." With the help of your CPA, we'll look ahead to help you minimize what you owe so you can keep more of your hard-earned savings. We'll ensure your tax strategy is perfectly tuned to your long-term goals.
Investment Management
Stage Ready Financial Planning manages your portfolio with precision, ensuring every investment you own serves a specific purpose in your overall plan. By balancing risk, growth, and your goals, we'll keep your "financial instruments" in tune with the markets while staying focused on the big picture so that you can enjoy retirement with confidence.
Social Security & Medicare Planning
Timing is everything when it comes to your income and health insurance benefits. I'll help you determine the exact moment to step in and claim your Social Security benefits and Medicare to maximize your lifetime results. Together, we'll ensure these foundational pieces are optimized and orchestrated to support the rest of your retirement.
Insurance & Estate Planning
I'll partner with your attorney and insurance agents to build a protective "score" for you and your family. Because I'm a fee-only advisor and never sell products, you can be confident that the advice your receive is focused solely on your best interests. Your wishes will be ready to be executed exactly as you intended, long after your final bow.
FINANCIAL PLANNING & WEALTH MANAGEMENT WITH PRECISION
You Provide The Notes. We'll Keep The Tempo.
CFP® Professional
I don't just manage investment accounts. With the help of your CPA and Attorney, I'll coordinate your taxes, investments, and goals into a comprehensive orchestration. As a CFP® professional, I bring the technical expertise required to ensure your retirement plan is ready to perform.
Fee-Only Arrangement
Just as a conductor’s goal is an outstanding performance, my only mission is your long-term financial success. As a fee-only and fiduciary financial advisor, I never accept commissions. You can be confident that my advice is always in sync with your best interests and goals.
Director's Ear For Detail
Having spent my early career in music education, and now over a decade as a financial planner, I've learned that precision isn't just about the notes or numbers; it's about the peace of mind of knowing every step is planned for the Dayton and Southwest Ohio families that I serve.
We are proud members of
THE TRANSITION TO RETIREMENT CAN FEEL NOISY
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.
Step 2
A Glimpse into the Possibilities
If we both feel good about our potential partnership, we'll create your personalized, Stage Ready Retirement Score. This planning preview gives you a feel for our approach and it's yours to keep, no strings attached.
Step 3
Your Vision, Our Guidance
We'll get back together to review your Stage Ready Retirement Score and discuss how we can help you focus on confidently enjoying your ideal retirement.
Retirement Planning, Perfectly In Sync
You’ve spent decades saving and preparing for this stage of life, but as retirement nears, the "noise" of complicated tax codes and market volatility can feel overwhelming. You shouldn't have to be your own full-time analyst. Stage Ready Financial Planning believes that a great retirement plan isn't just about the accounts you own; it’s about how they work together.
As a fee-only fiduciary, my focus remains solely on you. Stage Ready Financial Planning specializes in helping Dayton and Southwest Ohio families orchestrate their wealth. I don't just "manage accounts"; with the help of your CPA and Attorney, I coordinate your taxes, investments, and goals into a single, high-performance plan.
From tax-efficient withdrawal strategies to risk-tuned portfolios, I provide the steady hand needed to ensure every financial move stays in step with your vision. Stage Ready Financial Planning handles the math, so you can enjoy the music.
Orchestrate Your Retirement: Your Ultimate Checklist
Don't leave your retirement to chance! Get our comprehensive checklist and make sure you haven't overlooked any important cues before you make the leap!
Program Notes
Stay tuned for the latest tax-efficiency strategies and wealth management ideas designed specifically
for retirees in Dayton and Southwest Ohio.
February 2, 2026
10 Helpful Retirement Withdrawal Strategies to Stretch Your Income
Moving from a regular paycheck to living off your savings can feel a bit like walking a tightrope....
January 19, 2026
10 Retirement Tax Strategies Every Retiree Should Know About
In your working years, your financial goal was pretty clear: save for the future. Now that you’ve retired,...
January 7, 2026
2026 Dayton, Ohio Cost of Living Guide (and What That Means for Retirees)
What is the real cost of living in Dayton? This guide explores how local prices will impact your...