Retirement Isn't a One-Time Event–It's a Journey
Ongoing Support = Planning in Action
Keep your retirement plan organized, updated, and aligned as life changes — with periodic reviews, clear next steps, and your Client Planning Hub.
Why Your Plan Needs Ongoing Attention
Retirement planning does not end when your initial written plan is complete. Income needs, taxes, investments, health care decisions, family priorities, and personal goals can all change over time.
Ongoing Support helps keep your retirement plan current, organized, and connected to real-life decisions as retirement unfolds. After your Initial Plan is completed through our Retirement Planning Services, you can continue working with Kastler Financial Planning through periodic reviews, plan updates, clear next steps, and access to your Client Planning Hub.
Ongoing Support helps keep your retirement plan current, organized, and connected to real-life decisions as retirement unfolds. After your Initial Plan is completed through our Retirement Planning Services, you can continue working with Kastler Financial Planning through periodic reviews, plan updates, clear next steps, and access to your Client Planning Hub.
Your Client Planning Hub Keeps Everything Organized
The Client Planning Hub makes ongoing planning easier to see, track, and manage. Instead of leaving your plan as a one-time document, the Hub gives you a central place to review planning summaries, annual updates, helpful resources, secure document access, and next steps as they are developed.
The goal is simple: to help you understand what is being monitored, what has changed, and what needs attention next.
The goal is simple: to help you understand what is being monitored, what has changed, and what needs attention next.
- A secure and central place for ongoing planning information
- A quick view of your Retirement Dashboard
- Link to Schwab Alliance to access your investments
- Link to your secure Egnyte file vault to access your planning documents
- An easy way to send us questions inbetween review meetings
You may view a sample Client Planning Hub here.
Keeping the Pieces of Your Plan Connected
The 7 Pillars Planning Framework™ helps shape your written retirement plan from the beginning. Ongoing Support helps keep those same planning areas connected over time — including retirement income, taxes, investments, health care, estate considerations, risk management, and legacy goals.
As circumstances change, ongoing planning helps determine whether your assumptions still make sense, whether new decisions need attention, and whether your plan remains aligned with your values and priorities.
As circumstances change, ongoing planning helps determine whether your assumptions still make sense, whether new decisions need attention, and whether your plan remains aligned with your values and priorities.
Two Ways to Continue Working Together
Once your Initial Plan has been created, you can choose the level of ongoing support that best fits your needs.
Both paths include retirement plan monitoring, periodic reviews, annual plan updates when appropriate, and access to the Client Planning Hub. The main difference is whether you prefer to manage your own investments or would like investment management coordinated within the same advisory relationship.
Both paths include retirement plan monitoring, periodic reviews, annual plan updates when appropriate, and access to the Client Planning Hub. The main difference is whether you prefer to manage your own investments or would like investment management coordinated within the same advisory relationship.
Planning Support While You Manage Your Investments
This path is designed for clients who want to manage their own investments while continuing to receive professional retirement planning guidance.
We periodically review your plan, discuss changes in your life, goals, or priorities, and evaluate whether adjustments may be appropriate. Your Client Planning Hub helps keep review summaries, planning priorities, and follow-up items organized between meetings. Ongoing Plan Monitoring may include:
We periodically review your plan, discuss changes in your life, goals, or priorities, and evaluate whether adjustments may be appropriate. Your Client Planning Hub helps keep review summaries, planning priorities, and follow-up items organized between meetings. Ongoing Plan Monitoring may include:
- Periodic retirement plan reviews
- Updates for life changes, market changes, or planning assumptions
- Review of retirement income and withdrawal strategy
- Ongoing discussion of tax-related planning considerations
- Yearly Plan Update
Planning Support with Investment Management from KFP
This path includes the same retirement plan monitoring, review process, annual plan updates, and Client Planning Hub experience — plus investment management coordinated with your plan.
Your assets are held at Charles Schwab, an independent custodian. In addition to the above, KFP provides portfolio implementation, ongoing monitoring, rebalancing guidance, and support while your accounts remain in your name at Schwab.
Your assets are held at Charles Schwab, an independent custodian. In addition to the above, KFP provides portfolio implementation, ongoing monitoring, rebalancing guidance, and support while your accounts remain in your name at Schwab.
- Portfolio implementation aligned with your retirement plan
- Ongoing monitoring and rebalancing as needed for your portfolio design
- Coordination between your portfolio and your retirement income planning
- Secure account access through Charles Schwab portal
This option may be appropriate if you want your portfolio management and retirement planning coordinated under one relationship, with continued attention to retirement income, risk, tax-sensitive decisions, and long-term goals.
Why Client Assets Are Held at Charles Schwab
I use Charles Schwab as the custodian to hold client assets because of its reliability, transparency, and investor-friendly platform. You benefit from:
- No-cost trading on a wide range of ETFs
- Convenient virtual onboarding
- You maintain control of your assets
- Advisor-led service - no call centers
How We Keep Your Plan Updated
Periodic reviews help keep your retirement plan aligned with changing circumstances. They provide a regular opportunity to revisit goals, review assumptions, discuss current priorities, and identify next steps. Your Client Planning Hub helps document this work so important items are easier to find and follow over time.
Quarterly Reviews Focused on What's Next
Quarterly reviews focus on what has changed, what needs attention, and what decisions may be coming next.
- Review life changes and how they may affect your retirement plan
- Discuss current priorities, concerns, and planning questions
- Revisit observations, risks, and recommendations from your plan
- Identify next steps and potential plan updates
Annual Updates to Refresh Your Plan
During the annual review, we revisit key assumptions and update your Initial Plan analysis as needed. The written Plan Update may also be reflected in your Client Planning Hub so updated observations and action items stay organized. A yearly Plan Update may include:
- Update retirement plan projections
- Review of retirement paycheck requirements
- Portfolio risk and rebalancing review
- Tax planning update
What You Can Expect from KFP
Whether you choose us for Investment Management or choose to do that part yourself, you can expect the following from our Ongoing Support services:
- A clear ongoing relationship after your Initial Plan is complete
- Your personalized Client Planning Hub to keep your plan information accessible and organized
- Periodic review meetings focused on current priorities and decisions
- Annual plan updates with refresh of all projections
- Clear next steps identified each quarter
Transparent, Flat-Fee Tiered Pricing
Ongoing Support uses the same flat-fee pricing tiers described on our service modules and pricing page. Pricing is the same with or without Investment Management, so you can choose the level of ongoing support that best fits your needs.
Ready to Talk Through Your Options?
Schedule a ConsultationIf you would like to explore which ongoing support option may be the best fit for your needs, I invite you to reach out. We can begin with a no-charge, no-obligation consultation to discuss your ongoing support needs, your preferences, and next steps.