Retirement planning
Retirement planning covers the transition from accumulation to distribution: income strategy, withdrawal order, Social Security timing, bridge income before Medicare, Roth conversion runway, sequence-of-returns risk, long-term-care planning, and the tax coordination that determines whether a retirement plan actually survives 30+ years of drawdown.
By the numbers
The Wellspent public graph lists 7,304 fee-only financial advisors focused on retirement planning at 3,218 firms, most in Houston, San Diego and Austin. 46% hold the CFP certification. Of the 7281 with fees on file, 87% charge percentage of assets.
- Advisors listed
- 7,304
- Firms
- 3,218
- Cities
- 1,467
- Hold the CFP
- 46%
- Other credentials: CFA 8% · CPA 2% · EA 2%
- How they charge (of 7281 with fees on file): percentage of assets 87% · fixed fees 47% · hourly 45% · ongoing planning fee 15%
Source: Wellspent public graph, data as of . Shares are of advisors listed here; an advisor can hold several credentials or fee types. Methodology
Advisors with depth in retirement planning
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Timothy Hale | Hale Financial Solutions | Afton | Not listed | Percentage of assets, Hourly |
| Timothy Kulick | Denver Private Wealth Management | Centennial | Not listed | Percentage of assets, Hourly |
| Timothy Lucio | Saxon Financial Group | Houston | Not listed | Percentage of assets, Hourly |
| Timothy Luker | Brightstone Advisors | Fishers | Not listed | Percentage of assets, Hourly |
| Timothy Mack | William Mack & Associates | Troy | Not listed | Percentage of assets, Ongoing planning fee |
| Timothy Morris | Zenith Wealth Management | Orlando | Not listed | Percentage of assets, Hourly |
| Todd Micciche | True North Retirement Advisors | Clackamas | Not listed | Percentage of assets, Fixed fees |
| Todd Newell | Miller Financial Group | Portland | Not listed | Percentage of assets |
| Todd Shears | BlueSail Advisors | Mclean | Not listed | Ongoing planning fee |
| Todd Thompson | Rogue Advisors | Grants Pass | Not listed | Percentage of assets, Hourly |
| Tommy Willams | AssetBuilder | Allen | Not listed | Percentage of assets, Flat fee or retainer |
| Toney Falkner | Private Wealth Management of NC | Henderson | Not listed | Percentage of assets, Hourly |
| Tony Sigmon | Collegiate Capital Management | Raleigh | Not listed | Percentage of assets |
| Tonye Wokoma | Mainsail Financial Group | Bellevue | Not listed | Ongoing planning fee |
| Torry Whitcher | Generation Capital Management | Pittsford | Not listed | Percentage of assets |
| Tracy Galloway | Holmes Investment Management | Wrentham | Not listed | Percentage of assets, Fixed fees |
| Tracy Riordan | ARQ Wealth Advisors | Scottsdale | Not listed | Percentage of assets, Fixed fees |
| Tracy Shackelford | Tenzing Financial | Williamsburg | Not listed | Percentage of assets, Fixed fees |
| Travis Maus | S.E.E.D. Planning Group | Binghamton | Not listed | Percentage of assets, Hourly |
| Travis Schaat | Perspective Wealth Partners | Boise | Not listed | Percentage of assets |
| Travis Wall | Fidelis Wealth Advisors | Castle Rock | Not listed | Percentage of assets, Fixed fees |
| Tressia Marino | Boden Wealth | Lemoyne | Not listed | Percentage of assets, Hourly |
| Tristan Dahl | Blue Anchor Wealth Advisors | Ketchikan | Not listed | Percentage of assets, Hourly |
| Tristan Thoms | Arkfeld Wealth Strategies | Omaha | Not listed | Percentage of assets, Hourly |
| Troy Sommerfeld | KOM Wealth Management | Appleton | Not listed | Percentage of assets, Hourly |
| Tyler Decker | Steadmont Advisors | Birmingham | Not listed | Ongoing planning fee |
| Tyler Jennings | Clear Investment Research | Alpharetta | Not listed | Percentage of assets, Hourly |
| Tyler Jouret | Keen Wealth Advisors | Overland Park | Not listed | Percentage of assets, Hourly |
| Tyler Kanne | Convergence | Omaha | Not listed | Percentage of assets, Fixed fees |
| Tyler Reedman | HFM Investment Advisors | Glassboro | Not listed | Percentage of assets, Fixed fees |
| Tyler Rima | FORM Wealth Advisors | Lake Geneva | Not listed | Percentage of assets |
| Tyler Ryan | Capstone RIA | Bellingham | Not listed | Percentage of assets |
| Tyler Sherven | S.E.E.D. Planning Group | Binghamton | Not listed | Percentage of assets, Hourly |
| Tyler Skutnik | LRC Aviation Advisors | Milwaukee | Not listed | Percentage of assets |
| Tyler Woods | Alta Strada Wealth | Lincoln | Not listed | Percentage of assets, Hourly |
| Vick Khoboyan | Harold Davidson & Associates | Los Angeles | Not listed | Percentage of assets, Hourly |
| Vincent Savio | Beck Bode | Dedham | Not listed | Percentage of assets, Fixed fees |
| Wade Tapp | Family Wealth Partners | Matthews | Not listed | Percentage of assets, Hourly |
| Ward Williams | Better Tomorrow Financial | Seattle | Not listed | Flat fee or retainer |
| Warner Wayne | Wealth Effects | Boston | Not listed | Percentage of assets |
| Wayne Trana | Blue Anchor Wealth Advisors | Hutchinson | Not listed | Percentage of assets, Hourly |
| Wilfred Henderson | Legacy Wealth Management | Ridgeland | Not listed | Percentage of assets |
| William Beezley | Olympic Financial Advisors | Port Townsend | Not listed | Percentage of assets |
| William Bennett | Whitney & Company | Rochester | Not listed | Percentage of assets, Fixed fees |
| William Bromley | Innova Wealth Partners | Newtown | Not listed | Percentage of assets, Fixed fees |
| William Caton | William Mack & Associates | Troy | Not listed | Percentage of assets, Ongoing planning fee |
| William Davidson | Park Wealth Management | Greensboro | Not listed | Hourly |
| William Draper | Craner Capital | Bountiful | Not listed | Percentage of assets, Hourly |
| William Dunn | Charter Research & Investment Group | Southport | Not listed | Percentage of assets, Fixed fees |
| William Ginsburg | Pierson Wealth Management | Atlanta | Not listed | Percentage of assets |
Guides
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Downsizing in retirement: the tax and money decisions
Up to $250,000 of gain on your main home is tax-free, or $500,000 for a married couple filing jointly, if you've owned and lived in it for two of the last five years. The bigger questions are how much the move really frees up, and what the sale does to your taxes and Medicare premiums.
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Planning an early retirement (FIRE)
The hard part of retiring early is the gap before 59½ and 65: reaching your savings without the 10% additional tax, paying for health insurance, and spending in low tax brackets. A one-time plan from a fee-only planner has a median of $2,000.
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Financial advisor for retirement: what to look for
A retirement advisor's real job is the income plan: when to claim Social Security, which accounts to draw first, and how to keep the tax bill down for 30 years. Fee-only planners charge a median $4,500 a year.
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How much can I withdraw in retirement?
About 4% of your starting balance, raised each year for inflation, is the historical baseline for a 30-year retirement: $40,000 on $1 million. Fees, taxes, a longer horizon and a rigid spending rule all push it lower; a willingness to cut back after bad years pushes it higher.
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HSA investing strategy: your HSA as a retirement account
For 2026 you can put $4,400 (self-only) or $8,750 (family) into an HSA, plus $1,000 at 55. Invested and left alone, it's the only account that's tax-free going in, growing and coming out for medical costs.
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Military retirement and transition planning
The choices with the most money in them come in your last year of service: the Survivor Benefit Plan, the Blended Retirement System lump sum, your TSP and your VA claim. A one-time plan from a fee-only planner has a median of $2,000.