The first meeting costs nothing, and you don't have to hire us after it.
This is a demonstration website; nothing here is investment advice.
37-32 61st Street, Woodside, NY 11377
What a plan covers
Every source of income you will have, in the order you can draw on it, and the decisions in front of you, written down in plain words.
AI-generated illustration. Not a real home or business.
A retirement plan starts with what you want the years after work to look like, and only then with what will pay for them. The first answer changes the second: staying in Queens near the grandchildren, spending part of every year with family abroad, or working fewer hours for a while are different plans, even for the same household.
Most households here have more than one working life to account for, and each person's income after work comes from different places, each with its own rules, its own paperwork and its own date. The plan's first job is to get all of them onto one page.
The plan lists each source as a category, with where its figures come from and what it still needs to know. Nothing here values a source or chooses between them.
If you have one, the plan works from the pension plan's own statement: what it says it would pay, from when, and which options its forms will ask you to choose between.
In a couple, the plan looks at both people's choices side by side, because each one changes how much the household needs from everything else.
A deferred compensation plan, a plan at a private employer, or both: the plan records what each holds and the point at which each plan's own documents let you draw on it.
Money at the bank, an account you opened yourself, a home you might one day sell or rent out: each is listed with what it would take to turn it into money the household can live on.
When to claim Social Security is one of the biggest decisions in a retirement plan, and a plan sets out the questions each choice raises for your household. The amounts come from your own Social Security statement; the decision is filed with the Social Security Administration, which has nothing to do with this practice.
A pension's options are chosen on the pension plan's own forms, and in New York being paid to advise on which option suits a household may need an insurance license. A plan here lists the questions to ask the pension plan and how each answer would change the rest of the plan.
The order matters more than any one decision. The day you stop work, the day each pension begins, the day each person claims Social Security and the account you draw on first all lean on one another, and a choice made out of order can close off another one.
So the plan sets the decisions out in the order they come, and names who makes each one: you, the pension plan on its own forms, the Social Security Administration when you file, and your CPA wherever a decision reaches your tax return.
A date in your own words, not a target the plan sets. Two people in one household often answer differently, and the plan keeps both answers.
The statement, the options its forms list, and the questions to put to the pension plan before any form is signed.
The plan copies its figures from the statement and nothing else, and writes down where each one came from.
The employer's benefits office, the pension plan or a policy of your own: the plan lists the question and who to put it to.
The tax side of each choice, written as questions for the person who prepares your tax return.
AI-generated illustration. Not a real home or business.Founder and planner · Also meets in Spanish
Writes retirement and household plans, and holds most first meetings herself.
Inés asks what a household wants before she asks what it has.
Inés reads every plan aloud with the people it is for before it is final.
The picture is a still of a desk, not a portrait. The person is fictional.
A plan written here never promises a result, a return or a date you will be able to retire by, and this website shows no plan's figures, because a sample with figures in it would be a projection.
What a plan does instead is write down every assumption it makes, in plain words, beside the decision that rests on it, so that you can disagree with any of them before anything is decided. It also says ahead of time what you would change if savings fell in the year you meant to stop, so that a bad year is a decision already made rather than one made in a hurry.
Nothing in a plan is guaranteed and no investment is safe from loss. Savings in the market can fall as well as rise, and a plan says what you would do if they did.
This is the work of a written plan, at one of its published fees. Which of the two fits is said at the first meeting, and written into the agreement before anything is billed.
| What it is | What it covers | Fee |
|---|---|---|
| Written plan | One household, up to two goals, two meetings and the written plan, with sixty days of questions by e-mail. | $2,400 |
| Detailed written plan | A household with a business, two retirement systems, a home purchase or family abroad: two meetings and the written plan, with sixty days of questions by e-mail. | $3,600 |
A written plan is billed in two halves: $1,200 (or $1,800 for a detailed plan) when you sign the written agreement, and the same again when the plan is delivered, which is within ten weeks of the agreement. No fee is billed more than three months ahead.
$3,000 for twelve months
Twelve months of planning after a written plan: two meetings, questions by e-mail, and updates when life changes. It ends by itself.
Part of every written plan
Which accounts to save into and draw from, and when, set out as questions for the person who prepares your tax return.
Part of every written plan
Who depends on your income and what would happen if you could not work, written down as questions for a licensed professional.
A first meeting costs nothing, gives no advice and asks nothing of you afterwards: about forty-five minutes, at the office or by video. The office replies in office hours.
