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COMPREHENSIVE FINANCIAL PLANNING

Fee-only Financial Planning Services 
for retirees in Chicagoland and beyond

​Retirement in Chicago comes with unique financial decisions—from managing taxes on retirement income to navigating healthcare costs and market volatility. Our fee-only comprehensive financial planning for retirees in Chicago is designed to help you turn your savings into a sustainable, tax-efficient income plan.

 

We work exclusively for you—not commissions, not product sales—so every recommendation is aligned with your best interests. ​​​

What Is Fee-Only Comprehensive Financial Planning?

​Fee-only financial planning means you pay a transparent fee for advice. We do not earn commissions or sell financial products.

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  • Comprehensive planning goes beyond investments. It integrates every part of your financial life:

  • Retirement income planning

  • Tax-efficient withdrawal strategies

  • Investment management

  • Social Security timing

  • Healthcare and Medicare planning

  • Estate and legacy planning

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For retirees in Chicago, this means building a plan that reflects local taxes, cost of living, and lifestyle goals.

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We help answer questions such as:

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  • Will my money last through retirement?

  • How much will I owe in taxes now that I'm retired?

  • How do we keep more money for ourselves and less for Uncle Sam?

  • Will I be able to do what I want in retirement and not worry?

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Retiring in Chicago isn't the same as retiring elsewhere. Your financial strategy should reflect:

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​Will my money last through retirement?

  • Illinois tax advantages (no tax on retirement income like Social Security, pensions, and IRAs)

  • Property tax considerations across Cook County and surrounding areas

  • Urban cost of living vs. suburban trade-offs

  • Healthcare access and costs in the Chicago area

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We help you optimize your plan so you can enjoy retirement without necessary financial stress.

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We specialize in retirees and pre-retirees in Chicago who:

  • Have $750,000 in investable assets

  • Want a coordinated, long-term retirement plan

  • Value tax efficiency and disciplined investing

  • Looking for a relationship and a partner to do the heavy lifting (versus doing it yourself)​

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  • Tax planning

  • Tax strategies

  • Investment review

  • Portfolio analysis

  • Insurance review

  • Estate planning collaboration with your attorney

  • Goals visualization

  • Year-end tax planning

  • College planning  

  • Budgeting  

  • Tax loss harvesting

  • Analysis of concentrated positions

  • Asset location for tax efficiency

  • Social Security

  • Medicare guidance

  • Charitable giving strategies

  • Tax amendments

Why do Chicago retirees need a financial plan?

Who do you work with?

What is included in comprehensive financial planning?

We develop a plan that is just right for you

We will delve into every aspect of your financial profile to ensure you’re properly covered from all angles.

 

This will be an on-going relationship. If something comes up unexpectedly, we will be there through it all. 

Financial Planning Process

5-10 Meetings (1st Year), which we cover:

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Learn more about our Holistic process here

INVESTMENTS

INSURANCE

TAX PLANNING
 

RETIREMENT

ESTATE PLANNING

IF NEEDED:
COLLEGE PLANNING
BUDGETING & DEBT
HOME PURCHASES

Financial Planning Fees

As fee-only advisors, you can be assured that there are no hidden fees, ever. For ongoing planning, we charge a fee based upon your assets under management.

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  • No hidden fees

  • No comissions

  • No kickbacks

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The only compensation we receive is the fee that you pay us. We set up our fees in this way to allow us to remain objective and to reduce conflict of interest.

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FAQs

What will be required from me, if I chose to become a financial planning client?

To get the most out of our financial planning services, you will need to:

  • Stay actively involved

  • Provide accurate and complete information

  • Attend scheduled meetings

  • Ask questions when something isn’t clear

  • Implement agreed-upon recommendations

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Who typically hires you for financial planning services?

The primary focus of our financial planning is pre-retirees and retirees who want to be tax efficient and have a passion for personal development.

From the tax perspective: Being CPAs, we understand Uncle Sam's "share" will be one of the biggest expenses you have in retirement, proper planning can greatly reduce that burden.

We also work with entrepreneurs, particularly psychologists, social workers and those in the life and business coaching industry. We recognize that you are busy developing and running your business, helping people become the best they can be. Why not have someone help you focus on the financial aspects, so you can continue to focus on your business? 

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Is financial planning avilable on an ongoing or one-time basis?

We help clients with ongoing financial planning.

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Why choose a fee-only financial planner in Chicago?

Choosing a local, fee-only advisor means:

  • Advice tailored to Chicago’s financial landscape

  • Deep understanding of Illinois tax rules

  • No hidden incentives or product sales

  • A long-term partner focused on your retirement success

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If you’re looking for fee-only comprehensive financial planning for retirees in Chicago, we can help you build a clear, confident path forward.

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Schedule a consultation to get a personalized retirement strategy built around your life in Chicago.​​​

READY TO FOCUS ON YOUR FINANCES?

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