We work best with people who want to be involved in their financial planning but do not want to go it completely alone.
Many of our clients are comfortable using technology and enjoy having access to financial planning software, but they also want a trusted advisor to help them organize the pieces, understand their options, and make informed decisions.
We especially enjoy helping pre-retirees and retirees create a practical plan for retirement income, taxes, investments, Social Security, Medicare, and long-term goals. Our role is to help you keep your financial game plan on target — without chasing every shiny object that lands in the fairway.
Our fees depend on the level of planning support you need.
On Target Financial Planning offers flexible service options designed for different types of clients, from tech-comfortable DIYers to those who want a more comprehensive retirement planning relationship.
Our DIY model is designed for clients who are comfortable using technology and want access to financial planning software with professional guidance available as needed.
This option may include access to planning tools, retirement projections, budgeting, net worth tracking, Social Security analysis, and goal-planning scenarios.
Pricing:
Fees are based on the level of access, setup, and support selected.
This option is for clients who want a more complete financial plan and a deeper advisory relationship.
Comprehensive planning may include retirement income planning, tax planning, investment guidance, Social Security and Medicare planning, cash flow review, estate planning coordination, and ongoing strategy discussions.
Pricing:
Fees are based on the complexity of your situation and the scope of services provided.
For clients who need help with a specific topic, we also offer project-based or hourly planning.
Examples may include:
Retirement readiness review
Social Security claiming strategy
Medicare planning
Budget or spending review
Tax planning questions
Follow-up on a prior financial plan
One-time planning consultation
Hourly rate: $275 per hour
Fixed-fee engagements may be available depending on the project.
Tax planning and tax preparation may also be available depending on your needs.
Tax preparation is generally priced separately based on the complexity of the return and the estimated time required. For DIY clients, tax preparation may be added as an optional service.
We believe financial planning fees should be clear, practical, and aligned with the value of the services provided. During the initial conversation, we will discuss your goals, determine which service model is the best fit, and explain the expected fee before moving forward.
No mystery scorecard. You will know the fee before we tee it up.
No. We offer a complimentary introductory call so we can get to know each other before you make any decisions.
This casual conversation is an opportunity to discuss your goals, ask questions, and learn more about how On Target Financial Planning works with clients. We will also use the call to determine whether our services are a good fit for your needs.
There is no obligation to move forward after the introductory call. It is simply a chance to see whether we are aligned and whether we can help you build a practical financial game plan.
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No. On Target Financial Planning does not directly manage client investment accounts or take custody of client assets.
Our role is to provide financial planning guidance, investment education, and portfolio recommendations so you can make informed decisions and remain in control of your accounts.
As part of the planning process, we can review your current investments and provide guidance on areas such as:
Asset allocation
Diversification
Risk level
Retirement account strategy
Tax considerations
Investment costs
Rebalancing opportunities
Whether your portfolio aligns with your goals
Once recommendations are provided, you are responsible for implementing them through your own brokerage, retirement plan, or investment platform.
This approach is a good fit for clients who want professional planning and investment guidance but prefer to remain hands-on with their accounts. It may not be the right fit if you are looking for an advisor to make trades, manage investments directly, or handle day-to-day portfolio decisions for you.
Think of us as helping you read the course, choose the right club, and understand the shot — but you still take the swing.
A fee-only advisor is paid directly by clients, not by commissions from selling financial products.
This matters because it helps reduce conflicts of interest. Since On Target Financial Planning does not receive compensation for recommending specific investments, insurance products, annuities, or other financial products, our recommendations can be focused on what we believe is appropriate for your goals and situation.
Fee-only planning also creates more transparency. You know what you are paying for, and the advice is not tied to whether you buy a particular product or move assets to a specific platform.
As a fee-only firm, our role is to provide objective guidance in areas such as retirement planning, tax strategy, investment allocation, Social Security, Medicare, cash flow, and long-term goal planning.
The goal is simple: advice that is clear, practical, and centered around your best interests.
No hidden hazards in the rough — just straightforward guidance to help keep your financial plan on target.
On Target Financial Planning combines practical financial planning, CPA insight, modern technology, and a flexible service model designed for clients who want to be actively involved in their financial future.
We are not built around selling products or managing assets. Instead, our focus is on helping clients understand their full financial picture, make informed decisions, and create a strategy that keeps their goals on target.
What makes us different is our combination of:
Financial planning and tax perspective
As a CPA-led firm, we understand that taxes are often one of the biggest factors in retirement planning. We look at how decisions around income, investments, Social Security, Roth conversions, withdrawals, and retirement accounts may affect your overall tax picture.
A planning-first approach
We focus on the full game plan, not just investments. That includes retirement income, tax planning, cash flow, Social Security, Medicare, estate considerations, insurance, and lifestyle goals.
Technology for DIY-minded clients
We work especially well with tech-comfortable clients who like using tools, tracking progress, and staying engaged in the planning process. Our model is designed to provide structure and guidance without taking control away from you.
Flexible service options
Clients can choose the level of support that fits their needs, whether that is DIY planning support, a comprehensive financial plan, or focused project-based guidance.
Education and accountability
We believe clients make better decisions when they understand the “why” behind the recommendation. Our role is to help organize the information, explain the options, and serve as an accountability partner along the way.
In short, On Target Financial Planning is designed for people who want more than a generic financial plan. We help you build a practical, tax-aware, technology-enabled game plan for retirement and beyond.
Think of us as your financial caddie: helping you read the course, choose the right strategy, and avoid the hazards that can knock your plan off target.
A fiduciary is a financial professional who is legally required to act in the client’s best interest.
For clients, this means the advice you receive should be based on your goals, needs, and overall financial situation — not on commissions, sales incentives, or product recommendations.
As a fiduciary, On Target Financial Planning is committed to putting your interests first when providing financial planning advice. That includes being transparent about fees, identifying potential conflicts of interest, and making recommendations designed to support your financial goals.
This is especially important when planning for retirement, taxes, investments, income strategies, Social Security, Medicare, and other major financial decisions. You deserve advice that is objective, practical, and aligned with your best interests.
In golf terms, a fiduciary is not trying to sell you a new driver on every hole. The goal is to help you choose the right shot for your situation and keep your financial plan on target.
Most meetings are held virtually by phone or video conference, with email used as needed throughout the planning process.
This allows us to work efficiently, reduce travel time, and make the planning experience more convenient for clients. Virtual meetings also make it easier to review planning software, projections, documents, and recommendations together in real time.
Depending on the situation, an in-person meeting may also be arranged at a mutually convenient and comfortable location.
Our goal is to make the process practical, flexible, and easy to fit into your schedule — no need to fight traffic just to talk through your financial game plan.
Getting started is simple. Schedule a complimentary, no-obligation introductory call so we can learn more about your goals and determine whether On Target Financial Planning is the right fit for your needs.
During this call, we will talk through what you are looking for, answer your questions, explain how our planning process works, and discuss which service option may make the most sense for your situation.
This first conversation is casual and educational. There is no pressure to move forward. The goal is simply to see whether we are aligned and whether we can help you build a practical financial game plan.
You can get started by scheduling a call or contacting us directly:
Phone: 484-319-8577
Email: bobhackett@ontargetfp.com
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Once we connect, we will help you determine the best next step — no need to stand on the first tee wondering which club to hit.
No. While we specialize in helping pre-retirees and retirees, you do not need to be right at retirement to benefit from financial planning.
Many clients begin planning several years before retirement so they can make better decisions around savings, taxes, investments, debt, Social Security, Medicare, and future income needs.
The earlier you start, the more time you have to adjust your strategy. It is much easier to aim for the green when you still have a few shots left to play.
No. You do not need to be a golfer to work with On Target Financial Planning.
Our golf theme reflects our founder’s love of the game and provides a simple way to explain financial planning concepts. Many of the same principles apply: strategy matters, preparation helps, hazards should be avoided, and every decision should support the overall goal.
Golfers may especially enjoy the theme, but our planning services are designed for anyone who wants practical, organized financial guidance.
Our DIY Financial Planning model is designed for clients who want to stay actively involved in managing their financial lives while receiving professional guidance and access to planning tools.
This option may be a good fit for tech-comfortable clients who want to use financial planning software, track progress, review retirement projections, model different scenarios, and make more informed decisions without paying for a traditional asset management relationship.
You remain in control, but you are not left to figure everything out alone.
The DIY model may be a good fit if you are comfortable using technology and want to be hands-on with your financial planning.
It is especially helpful for people who like tracking their finances, reviewing projections, organizing information, and learning how decisions affect their long-term goals.
It may not be the right fit if you prefer someone else to manage everything for you, make investment trades on your behalf, or handle all ongoing financial decisions without your involvement.
Think of it as having a financial caddie while you still take the swing.
A comprehensive financial plan looks at the major areas of your financial life and how they work together.
Depending on your needs, this may include retirement planning, cash flow, budgeting, investment review, tax planning, Social Security, Medicare, retirement income strategies, insurance considerations, estate planning coordination, and goal planning.
The purpose is to create a coordinated plan that helps guide future decisions, rather than looking at each financial topic in isolation.
Yes. Tax planning is an important part of the financial planning process.
As a CPA-led firm, On Target Financial Planning considers how financial decisions may affect your tax situation. This may include retirement account withdrawals, Roth conversions, Social Security taxation, investment tax considerations, charitable giving strategies, and timing of income.
Tax planning is especially important for retirees and pre-retirees because decisions made today can affect income, taxes, and cash flow for years to come.
ax preparation may be available depending on your needs and the complexity of your situation.
Tax preparation is generally priced separately from financial planning services. For DIY clients, tax preparation may be available as an add-on service. For comprehensive planning clients, tax preparation may also be discussed depending on the scope of the engagement.
During the introductory conversation, we can review whether tax preparation or tax planning support makes sense for your situation.
Yes. Social Security planning is often an important part of retirement planning.
We can help you evaluate different claiming ages, estimated benefits, survivor benefits, spousal benefits, tax considerations, and how Social Security fits into your overall retirement income strategy.
The goal is not simply to pick the earliest or latest date. The goal is to make a thoughtful decision based on your broader retirement plan.
Yes. We can help you understand how Medicare fits into your retirement planning decisions.
Medicare decisions may affect your healthcare costs, cash flow, and tax planning in retirement. We can help you think through timing, coverage considerations, income-related Medicare surcharges, and how healthcare expenses fit into your retirement income plan.
We do not replace licensed Medicare insurance professionals, but we can help you understand the planning issues and coordinate with other professionals when needed.
Yes. Roth conversion planning can be an important strategy for some retirees and pre-retirees.
We can help evaluate whether converting part of a traditional IRA or retirement account to a Roth IRA may make sense based on your tax bracket, retirement income needs, required minimum distributions, estate goals, and long-term tax outlook.
Roth conversions are not right for everyone, so the key is analyzing the numbers before making a decision. This is one area where guessing from the tee box can land you in the rough.
We can review your investments and provide guidance on asset allocation, diversification, risk level, investment costs, and whether your portfolio aligns with your goals.
However, On Target Financial Planning does not directly manage assets, make trades, or take custody of your investment accounts. You remain responsible for implementation through your own brokerage, retirement plan, or investment platform.
Our role is to provide education and recommendations so you can make informed decisions.
Yes. Financial planning often works best when your professional team is coordinated.
With your permission, we can collaborate with your CPA, estate attorney, insurance professional, or other advisors to help ensure that important planning decisions are aligned.
This can be especially valuable when addressing retirement income, tax planning, estate planning, business planning, or major life transitions.
The first call is a casual introductory conversation.
We will ask about your goals, concerns, current financial questions, and what led you to reach out. You can also ask questions about our services, fees, planning process, and whether a DIY, project-based, or comprehensive planning option may be the best fit.
There is no pressure and no obligation. The purpose is simply to determine whether we are a good match.
The information needed depends on the type of planning engagement.
For a more complete financial plan, we may ask for information related to income, expenses, investments, retirement accounts, insurance, taxes, debts, estate documents, Social Security estimates, and retirement goals.
For project-based work, the information needed may be narrower and focused only on the specific question or planning topic.
We will guide you through what is needed so you are not left guessing which documents to bring to the first tee.
Meeting frequency depends on the service model you choose and the level of support you need.
Some clients may only need a one-time or project-based engagement. Others may benefit from periodic check-ins, planning updates, or ongoing support.
During the initial conversation, we will discuss what level of meeting frequency makes sense for your situation.
That is perfectly fine.
Not every client needs a full comprehensive financial plan. If you have a focused question, such as Social Security timing, Medicare planning, budgeting, Roth conversions, retirement readiness, or tax planning, a project-based or hourly engagement may be a better fit.
The goal is to match the service to the need, not force every client into the same box.
We may not be the best fit for clients who are looking for stock tips, market timing, get-rich-quick strategies, or someone to take over every financial decision.
We work best with clients who want to be engaged in the planning process, make thoughtful decisions, and follow a strategic approach over time.
Financial planning is more like playing a smart round than trying to hit a hole-in-one on every shot.
The golf theme reflects our belief that good financial planning requires strategy, preparation, patience, and smart decision-making.
Just like golf, retirement planning is not about one perfect shot. It is about understanding the course, avoiding unnecessary hazards, adjusting when conditions change, and keeping your long-term goal in mind.
The theme also connects to the Ace Your Retirement series, which uses golf concepts to make retirement planning more approachable and easier to understand.
Ace Your Retirement is an educational series designed to simplify retirement planning topics through practical guidance and golf-inspired concepts.
The series may include books, courses, webinars, articles, and other resources focused on retirement income, taxes, Social Security, Medicare, investing, lifestyle planning, and other important retirement decisions.
The goal is to make retirement planning more understandable, actionable, and engaging.
You do not need to know before reaching out.
During the introductory call, we will discuss your goals, questions, comfort with technology, planning needs, and desired level of support. From there, we can help determine whether the DIY model, comprehensive planning, or project-based guidance is the best fit.
You bring the questions. We will help map out the next shot.