An Overview of Kastler Financial Planning's Retirement Planning Services

Personalized Retirement Planning Services

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.

As a fee-only, fiduciary, and independent firm, we take a planning-first approach shaped by your goals, values, and retirement priorities. Our retirement planning services are organized around seven core areas:

• 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.

How the 7 Pillars 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.

How We Work Together

Retirement planning is personal, so it helps to begin with a thoughtful understanding of your goals, questions, and financial picture. We begin with a no-charge, no-obligation consultation to discuss your retirement priorities and explore whether working together may be a good fit. If we decide to move forward, we begin onboarding and discovery by gathering information, reviewing your financial picture, and learning more about the life you hope to live in retirement.

From there, we develop planning analysis and review retirement scenarios with you collaboratively so you can better understand how different choices may affect your plan. This stage is designed to bring greater structure and clarity to important decisions before the written plan is prepared.

Once the analysis is complete, we prepare your written Initial Plan. Depending on your needs, it may include a concise executive summary, supporting analysis, and planning recommendations across the areas most relevant to your retirement.

For clients who want continued guidance after that, Ongoing Support provides a way to continue monitoring and revisiting important decisions as retirement unfolds.

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.

Ongoing Support After the Initial Plan

Once your Initial Plan is complete, there are two ways we can continue supporting you.
• You manage your own investments while we provide periodic plan reviews and updates
• We provide investment management alongside periodic plan reviews and updates

Both approaches are intended to help keep your retirement plan aligned as life changes.
Learn more at our Ongoing Support page.

Ongoing Support

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.