Retirement Planning That Stays In Step With Your Life
Fee-only wealth management for Dayton and Southwest Ohio retirement savers, 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 you want to skip the Midwest winters or enjoy more time with family, as a proud Dayton resident, I'm the financial advisor you can trust to help make sure you're "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 your financial future or you’ve made the leap, I'll help refine your strategy so you can focus on enjoying the music of a secure retirement.
Income Planning
A successful retirement requires a steady and predictable rhythm of income. As a wealth management client, I'll help you synchronize your 401(k), Roth IRA, Social Security, and other accounts to create a lasting paycheck that keeps pace with your lifestyle. Our work will make sure your cash flow never skips a beat, regardless of what the stock markets are doing.
Tax Planning
While taxes are a necessary part of life, annual tax planning helps make sure you aren't leaving the IRS an unnecessary "encore." Partnering with 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 refine your tax strategy so that it's perfectly tuned to your long-term goals.
Investment Management
Stage Ready Financial Planning professionals manages your portfolio with precision and makes sure that every investment you own serves a purpose in your overall plan. By balancing risk, growth, and your income needs, I'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 Social Security and your health insurance benefits. I'll help you determine the best time to claim your Social Security benefits and Medicare to maximize your overall retirement plan. We'll review your strategy each year so that it stays optimized and supports your goals.
Risk Management & 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 my advice is in sync with your best interests. You can feel confident knowing that your estate plan will be ready to be executed exactly as you intend, to protect your family.
FINANCIAL PLANNING & WEALTH MANAGEMENT WITH PRECISION
You Provide The Notes. I'll Keep The Tempo.
CFP® Professional
I don't just manage your investments. With the help of your CPA and Attorney, I'll orchestrate your taxes, investments, and goals into a comprehensive financial plan. As a CFP® professional, I work to blend technical expertise with deeply understanding you and your goals so that your retirement plan is always ready to perform.
Fee-Only Arrangement
Just as a conductor’s goal is an outstanding musical performance, my only mission is your long-term retirement success. As a fee-only and fiduciary financial advisor, I never accept commissions and can't sell you products you don't need. You can be confident that my advice is in sync with your best interests and retirement dreams.
Director's Ear For Detail
Having spent my early career in music education, and now over a decade as a CFP® professional and wealth manager, I've learned that precision isn't just about the notes or numbers; it's about the peace of mind of knowing every detail is planned for the Dayton and Southwest Ohio families that I'm lucky to serve.
Proud to be a member 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 Preview of Retirement Clarity
If we both want to continue the discussion, I'll create your Stage Ready Retirement Assessment. This high-level overview shares ways we could collaborate to fine tune your strategy and reduce the "noise.”
Step 3
You Provide the Notes, I'll Keep the Tempo
We'll get back together to review your Stage Ready Retirement Assessment and discuss how I can help you focus on your ideal lifestyle and worry less about the market "noise."
Retirement Planning, Perfectly In Sync
You’ve spent decades saving for retirement, and the closer it gets, the "noise" of complicated tax rules and stock market volatility can feel totally overwhelming. Now that you finally have the free time to travel more and spend time with the grandkids, you shouldn't have to be your own full-time investment analyst.
Having worked with clients preparing for and enjoying retirement for over a decade, I've learned that a great retirement plan isn't just about the accounts you own; it’s about how your entire financial life works in sync. Which is why I built Stage Ready Financial Planning to help Dayton and Southwest Ohio families orchestrate and live their ideal retirement. As a fee-only financial planner, my total focus is your success and confidence.
I don't just manage your investment accounts. With the help of your CPA and Attorney, I'll coordinate your taxes, investments, and goals into an easy to understand, high-performance plan. From tax-efficient withdrawal strategies to risk-tuned portfolios, as a wealth management client, I'll be right by your side making sure every move stays in step with your vision. Let Stage Ready Financial Planning handle the math, so you can enjoy the music of a retirement well lived.
Your Ultimate Retirement Checklist
Don't just hope for a successful retirement. Get our comprehensive checklist and make sure you haven't overlooked any important cues!
Program Notes
Stay tuned for the latest tax-efficiency financial planning and wealth management ideas
designed specifically for retirees in Dayton and Southwest Ohio.
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