An Overview of Kastler Financial Planning's Retirement Planning Services

Planning First. Personalized Retirement Solutions.

Three Ways You Can Engage with KFP

Three ways you can work with us to develop your retirement plan include the following. Start with as little as you need and you can progress to higher levels of advice and ongoing support.

Begin On Your Own

KFP Client

Ongoing

Use our planning software to enter your financial information, view your financial "blueprint," current status, asset and tax allocations.
Engage us as a client when you are ready.

90-day access No Charge.

No access to a financial professional.

Start

We review your information, perform the 7 Pillars Retirement Planning® process, provide personalized fiduciary advice, and a written Initial Plan (per contract terms).

Flat-fee tiered Pricing starts at $1,250

A financial professional provides the services.

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Adds implementation and periodic reviews of your Initial plan with a
yearly plan update. Access to our Client Planning Hub.

Investment management available with assets held at Charles Schwab.

Starts at $1,250

See Ongoing Support Services

KFP Client

If you are approaching retirement or already retired, our retirement planning services are intended to help you make thoughtful decisions across the areas that matter most, including income, investments, taxes, healthcare, long-term care, risk, and legacy planning. Rather than treating these as separate decisions, we bring them together through one coordinated planning process so your financial life can work together with greater clarity and confidence.

Planning First

As a fee-only, fiduciary, and independent firm, we take a "Planning-First" approach shaped by your goals, values, and retirement priorities. We encourage you to explore more about your retirement vision using our no-cost Retirement Profiler that explores the non-financial aspects of retirement. It will help you envision what you want your retirement to look like and it will help us align a plan to meet your goals.

Our 7 Pillars Planning Framework™ Guides Retirement Planning

Our retirement planning services are organized through The 7 Pillars Planning Framework™, which reflects how KFP thinks about retirement planning: as a set of interconnected decisions best considered together rather than in isolation. The foundation of this approach is 7 Pillars Retirement Planning®, the broad structure we use to organize the major areas of retirement planning:

• Income Planning
• Investment Planning
• Tax Planning
• Risk Analysis
• Healthcare Planning
• Long-Term Care Planning
• Estate and Legacy Planning

Service Modules and Pricing

Your written retirement plan includes analysis and personalized guidance across each of these seven service areas. We refer to this coordinated written plan as the Initial Plan. Each service module can be described as follows. For more detailed service descriptions and transparent pricing, see our service modules and pricing page.

Overview of the Seven Areas of Retirement Planning

Income Planning

Income planning helps you understand how to turn your savings and available resources into a sustainable retirement paycheck. We help evaluate guaranteed income, withdrawal strategies, and spending needs so this part of your plan can support the retirement lifestyle you want to live.

Retirement Income Planning

Investment Planning

Investment planning in retirement should reflect more than risk tolerance alone. It should also reflect your income needs, time horizon, and the role your portfolio plays within your broader retirement plan. We help design a diversified, cost-conscious portfolio that supports your long-term retirement needs with an appropriate balance of growth, stability, and flexibility.

Portfolio Design

Tax Planning

Tax planning is an important of retirement planning, especially when income comes from multiple sources with different tax treatment. We help evaluate strategies such as Roth conversions and future required minimum distributions so tax decisions can be considered thoughtfully within the context of your broader retirement plan.

Tax Planning

Risk Analysis

Risk analysis looks at the financial risks that can affect retirement, including longevity, inflation, market volatility, and other potential disruptions. We help identify vulnerabilities and evaluate strategies that may strengthen and support your broader retirement plan.

Healthcare Planning

Healthcare planning includes thinking through Medicare choices, coverage tradeoffs, and healthcare costs in retirement. We help you make more informed decisions so this part of your plan supports both your budget and your peace of mind.

Long-Term Care Planning

Long-term care planning helps you prepare for one of the largest potential expenses in retirement. We help you compare insurance, hybrid policies, and self-funding approaches so you can evaluate what may fit best within your overall plan.

Estate and Legacy Planning

Estate and legacy planning helps connect your retirement plan with your wishes for family, heirs, and charitable goals. We help you review key planning considerations and think intentionally about how wealth may be preserved and transferred.

Visualize Your Retirement Possibilities®

We use retirement planning tools to help you visualize how different decisions may affect your future. By comparing retirement scenarios together, you can better understand the tradeoffs, explore your options, and shape a written Initial Plan that reflects your goals and priorities. To see examples of this process, visit our retirement planning videos page.

Personalized Retirement Solutions

Through the collaborative planning process, we perform the analysis work to determine a solution that best fits your needs. Once we jointly agree on a plan, we will provide a write-up for the Initial Plan. An investment portfolio is recommended to best fit your vision, goals, and needs. We'll also structure your portfolio with your income needs, near-term needs, and long-term objectives in mind.

Your Initial Plan write-up will include an executive summary, action plan, and written recommendations for each of the 7 areas of retirement planning.

Ongoing Support Services

Implementation of your plan and periodic reviews, and a yearly Plan Update help keep your plan on track.
• You may engage us to provide just the planning component with periodic reviews
• You may also engage us to perform investment management services, under a low-cost flat-fee fiduciary contract

Learn more at our Ongoing Support page.

Explore Whether this Approach is a Good Fit

Schedule a Consultation

If you would like to explore whether this planning approach is a good fit, I invite you to reach out. We can begin with a no-charge, no-obligation consultation to get acquainted, discuss your goals, and answer your questions.