Frequently Asked Questions

We start with a free 45-minute Retirement Strategy Session to learn what matters most to you, answer your biggest questions, and show how we can improve your plan, optimize investments, and lower taxes. If we both agree it’s a good fit, you’ll join the Define Family and begin our Total Retirement System™—a step-by-step process to gather key information, clarify your goals, and build a coordinated retirement plan. From there, we provide ongoing guidance, meeting with you each spring and fall and staying proactive in between to keep your plan and investments aligned and optimized.

People hire us because they understand retirement is one of life’s biggest transitions and want trusted experts by their side. We help you:

• Turn your nest egg into a reliable retirement paycheck.
• Reduce taxes so you can keep more of what you’ve earned.
• Improve after-inflation returns while reducing portfolio risk.
• Free up more time to focus on the things you love in retirement.
• Ensure your heirs have a trusted professional to lean on if something happens to you.

There are three key things that set us apart:

1. Specialized Expertise. We focus exclusively on retirement and tax planning for people over age 50. Just like you wouldn’t want a cardiologist performing foot surgery, we believe in staying highly specialized. This ensures we only work with retirement savers who align with our expertise.
2. Limited New Clients. We intentionally limit the number of families we take on each month. This enables us to ensure new clients have a positive experience joining our firm and existing clients continue to receive exceptional value and highly personalized service.
3. Team-Based Approach. Clients don’t get “assigned” to one advisor. Instead, our entire team works together to serve every family. By pooling our resources and intellectual capital, we provide comprehensive advice and make sure nothing slips through the cracks.

Yes! We are licensed in all 50 states and currently work with families across the country. Thanks to secure video conferencing, working with us is just as easy whether you’re five miles away or five time zones away. Every meeting is protected with a unique password, and we follow strict security standards to keep your information safe. Wherever you call home, you’ll receive highly personalized retirement and tax planning services from a dedicated team of experts.

Our simple, all-inclusive annual fee covers ongoing retirement and tax planning + tax-smart management of your investments.

The fee is a percentage of the assets we manage:

— 0.95% on the first $2M
— 0.70% from $2M–$5M
— 0.30% from $5M–$10M
— Custom fee above $10M

This is our only compensation—no commissions, no hidden revenue.

Ultimately, hiring an advisor only makes sense if the value you receive exceeds the cost. That value is realized through tax savings, investment and retirement plan optimization, mistake avoidance, time saved, and peace of mind.

A complimentary Retirement Strategy Session will help you measure these benefits and decide if we’re the right fit.

Learn more and schedule.

We specialize in helping retirement savers who need (and want!) a long-term relationship. A proactive, ongoing service model allows us to continuously refine your retirement income, investment strategy, and tax plan as life changes. Because of this, we don’t offer one-time project services or hourly engagements. If you’re seeking limited-term services, consider reaching out to the Garrett Planning Network.

For your safety and convenience, Define Financial uses Fidelity Investments as a third-party custodian for our client investment and retirement accounts. Fidelity administers more than $16.4 trillion in assets for more than 40 million retirement savers. As a trusted custodian, Fidelity safely holds your investment accounts and provides annual reporting to you and the IRS. Your accounts can be viewed at any time at www.fidelity.com or through the Define Financial Client Portal.