Our Comprehensive Retirement Planning Process

We specialize in helping individuals and couples who are approaching retirement or already retired. Many of our clients have spent decades saving and investing and want help turning those savings into a tax-efficient retirement income strategy.

They often come to us with questions like:

• When can I retire?
• How do I turn my savings into reliable income?
• How can I reduce taxes on my retirement withdrawals?
• Are my investments structured correctly for retirement?

Our focus is helping clients make the transition from accumulating wealth to using it efficiently in retirement.

Yes. As fiduciaries, we are legally and ethically bound to always act in your best interest. We don’t push products. We recommend the same strategies we use in our personal accounts and with our own family. Our firm is built on integrity, transparency, and putting client interests first—always.

People work with us because they recognize that retirement is one of the most important financial transitions of their lives — and they want experienced guidance to help them navigate it with confidence.

We help clients:

Turn retirement savings into a reliable income stream - Create a clear strategy for generating income from Social Security, pensions, and investments so your lifestyle is supported throughout retirement.

Reduce taxes in retirement - Implement tax-efficient strategies so more of the wealth you’ve worked hard to build stays in your pocket.

Align investments with your retirement goals - Structure your portfolio to balance growth, income, and risk as you transition from saving to spending.

Simplify financial decisions so you can enjoy retirement - With a coordinated plan in place, you can spend less time worrying about finances and more time focusing on the things that matter most.

Ensure your family has trusted guidance - If something happens, your spouse or heirs will have a knowledgeable professional they can rely on for financial advice and support.

Yes. Fred Timm is a CERTIFIED PUBLIC ACCOUNTANT (CPA) with a degree in Business Finance. Luke Timm, a Princeton graduate, is a CERTIFIED FINANCIAL PLANNER® (CFP®), who spent years working in finance in NYC before founding the firm. Our complementary backgrounds ensure you receive thoughtful, in-depth, and up-to-date planning.

The first step is a Free Retirement Strategy Session.

During this conversation we will:

• Learn about your retirement goals
• Review your current financial situation
• Identify potential tax planning opportunities
• Discuss whether our firm may be a good fit for your needs

There is no obligation — it’s simply an opportunity to determine if working together makes sense.

Our advisory fee is a percentage that is billed quarterly and deducted directly from your accounts based on the value of your invested assets.

Below is our fee structure:

• Over $1,000,000 in assets: up to .25% per quarter (up to 1% annually) that progresses downward with each million invested
• Over $500,000 in assets: up to 0.3% per quarter (up to 1.2% annually)
• $500,000 and under in assets: up to 0.375% per quarter or a minimum of$500 per quarter, whichever is greater (up to 1.5% annually)

You’ll see this fee clearly detailed in your statements. Most of the investment funds we use have internal expenses under 0.10%, which helps keep your overall costs far below industry averages. We believe a financial advisor should more than justify their fee through time saved, smarter tax strategies, and better financial outcomes.

We use Charles Schwab as our independent custodian. Schwab safeguards over $8 trillion in client assets and provides secure, transparent access to your accounts. You can log in, view your accounts, and access your funds at anytime at www.schwaballiance.com. Schwab also provides all required tax reporting.