Your Total Retirement System™Starts Here
See how we bring your taxes, income, investments,
and legacy together into a fully integrated plan.
Who We Have the Expertise to Help
Our retirement and tax planning services are designed for people who are:
Aged 50+ and already retired—or planning to retire within the next five years
Focused on reducing taxes and making smart decisions with their $2M+ portfolio
Value expert help because retirement is too important to get wrong
They Were In Your Shoes. Here’s What Changed.
“After you hit retirement, there’s really no reset button. There’s just really not enough time to recover from mistakes. Ever since we’ve gotten involved with Define Financial, I sleep better, I’m more relaxed, I’m enjoying life more, as opposed to just worrying about what’s going to happen.” ~Tom F.
Disclosures
Define Financial has not provided any compensation for the testimonials shown. The testimonials shown have been selected from among all client feedback. To our knowledge, no other conflicts of interest exist regarding these testimonials.
Getting Started With Our 3-Step Process
A simple, proven framework for turning retirement complexity into clarity.
01
Free Retirement Strategy Session
We’ll use this complimentary 45-min meeting to learn what matters most to you, answer your big questions, and ensure we have the right expertise to help.
We’ll also show you how our proven system can improve your retirement plan, optimize investments, and lower taxes.
02
Begin Your Total Retirement System™
If we’re a good mutual fit, you’ll begin your journey through the Total Retirement System™.
Through our step-by-step onboarding process, we’ll dig deeper into your retirement needs and goals, gather key documents, and lay the foundation for your coordinated retirement plan.
03
Ongoing Monitoring & Optimization
Retirement is a decades-long transition, full of complex moving parts that need to be coordinated, monitored, and updated.
After building and implementing your Total Retirement System™, we meet formally each Spring and Fall — and proactively touch base in between to provide updates and take action on important tasks.
STEP #1
Schedule Your FREE Strategy Session
Frequently Asked Questions
Can you give me an overview of your process?
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.
How are you different from other financial advisors?
There are three key things that set us apart:
- 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.
- 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.
- Team-Based Approach. Our entire team of CFP® Pros 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.
Do you work with families nationwide?
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.
How are your fees structured?
We charge a transparent annual fee for our comprehensive planning and investment management services which includes:
- Proactive tax planning
- Retirement income design
- Estate and insurance coordination
- Ongoing investment management designed specifically for retirement
Our minimum annual fee is $20,000, and the exact fee depends on the scope and complexity of your situation.
Fees are billed quarterly and typically deducted proportionally from the investment accounts we manage. We don’t earn commissions, sell financial products, or receive incentives from third parties.
Where do you hold my investments?
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.
Do you offer an hourly or one-time project fee option?
We specialize in helping retirement savers who need (and want!) a long-term relationship, allowing them to spend time in retirement doing the things they love most. A proactive, ongoing service model allows us to continuously refine your retirement income, investment strategy, and tax plan as your life (and the markets) evolve.
If you need limited-term guidance, we’ve partnered with a team of CFP® professionals at Domain Money to create an experience for retirement savers who want comprehensive planning without ongoing investment management.
Custom plans start at $3,200. Learn more here.