Overview of Services  

On Target Financial Planning (OTFP) offers financial services virtually in various ways to meet your needs and objectives.  

DIY Retirement Club

For Self-Directed, Tech-Savvy Pre-Retirees

The DIY Retirement Club is designed for individuals who want to take an active role in planning their retirement while still having access to professional tools, guidance, and support along the way.

Members receive access to RightCapital, an award-winning financial planning platform that allows you to:

• Track your net worth and investments

• Build and monitor your retirement plan

• Review retirement and tax projections

• Analyze Social Security timing options

• Create budgeting and cash flow plans

• Model different retirement scenarios and goals

• Organize your financial life in one secure location

This program is built for people who are comfortable using technology and want a more affordable, self-directed approach to retirement planning without going entirely alone.

In addition to the planning software, OTFP provides ongoing guidance and educational support, including:

• Quick-start guides and tutorials

• Educational videos and webinars

• Retirement planning checklists and templates

• Monthly educational content and updates

• Quarterly live virtual Q&A sessions

• Unlimited email support

• Access to professional guidance when questions arise

You stay in control of the process while we help keep you on target.

Cost

$99 per month

Flexible. Affordable. No long-term commitment required.

Traditional Comprehensive Retirement Planning

Personalized Retirement Planning Designed to Help Keep You On Target

Our Comprehensive Retirement Planning process is designed for individuals and couples who want personalized guidance, detailed analysis, and a retirement strategy built around their specific goals, lifestyle, and financial picture.

Using a clear, step-by-step planning process along with RightCapital, we help clients organize their financial life, evaluate retirement readiness, identify opportunities, and create a practical roadmap for retirement.

Whether you are approaching retirement or already retired, our goal is to help simplify complex financial decisions and provide confidence about the road ahead.

The On Target Planning Process

Phase 1 — Clubhouse Introduction

We begin with an introductory conversation focused on understanding your goals, priorities, concerns, and retirement vision while determining whether we are a good fit to work together.

This meeting may include discussions around:

• Retirement goals and priorities

• Lifestyle expectations

• Current concerns and challenges

• Timing of retirement

• Overview of our services and process

Phase 2 — Course Assessment

Clients are onboarded into RightCapital where we begin organizing and reviewing the key components of their financial picture.

This phase may include:

• Retirement lifestyle and income goals

• Investments and retirement accounts

• Income sources and cash flow

• Tax returns and tax considerations

• Insurance coverage

• Social Security estimates

• Estate planning documents

• Healthcare and Medicare considerations

• Risk tolerance and retirement priorities

Just like preparing for a round of golf, understanding both the course and the desired outcome helps build a more effective game plan.

Phase 3 — Swing Analysis

We review your current strategy to identify opportunities, risks, and areas for improvement related to:

• Retirement income sustainability

• Tax-efficient withdrawal strategies

• Roth conversion opportunities

• Investment allocation and risk

• Social Security timing

• Medicare and healthcare planning

• Legacy and estate planning considerations

This phase helps uncover planning gaps while identifying strategies designed to improve long-term retirement outcomes.

Phase 4 — Retirement Game Plan

We develop and present your personalized retirement plan with clear, actionable recommendations designed to help keep your retirement on target.

Depending on your needs, recommendations may include:

• Retirement income planning

• Tax-efficient distribution strategies

• Roth conversion analysis

• Investment guidance

• Social Security strategies

• Medicare planning considerations

• Legacy and estate planning coordination

• Action items and implementation priorities

For some clients, this completes the engagement.

Optional Ongoing Guidance Program

Staying On Target

For clients who want ongoing support, monitoring, and adjustments as retirement unfolds, we offer our Staying On Target ongoing guidance program.

This ongoing relationship may include:

• Regular review meetings

• Retirement income monitoring

• Proactive tax planning opportunities

• Investment and allocation reviews

• Roth conversion evaluations

• RMD planning

• Medicare and Social Security updates

• Planning for life changes and evolving goals

• Ongoing access to RightCapital

Tax Preparation Included

Clients enrolled in the Staying On Target ongoing guidance program may also receive annual tax preparation services as part of their ongoing relationship, depending on engagement scope and complexity.

A retirement plan is not designed to sit on a shelf. Ongoing guidance helps clients adapt to changing markets, tax laws, and life circumstances while staying focused on long-term goals.

Planning Fees

Comprehensive Retirement Planning fees vary based on complexity, planning needs, and level of ongoing support selected.

Ongoing guidance programs are offered separately and customized based on the scope of services provided.

Focused Planning Sessions

Targeted Guidance. Expert Insight. Answers When You Need Them.

Not everyone needs a full retirement planning engagement. Some individuals simply need professional guidance on a specific financial, retirement, or tax-related topic.

Our Focused Planning Sessions are designed to provide practical, personalized advice for targeted areas of concern without the commitment of a comprehensive planning relationship.

Whether you need a second opinion, help evaluating an important decision, or guidance on a single retirement topic, we can provide focused recommendations and actionable next steps designed to help keep you on target.

Our Simple 3-Step Process

1 — Clubhouse Introduction

We begin with a brief conversation to understand your goals, questions, and the specific topic you would like help with.

This meeting helps us:

• Define the planning topic and objectives

• Determine the appropriate scope of work

• Identify the information needed

• Establish expectations, deliverables, and estimated fees

2 — Focused Review

We gather and review the specific information relevant to your engagement in order to provide informed, accurate guidance.

Depending on the topic, this may include:

• Tax returns and financial documents

• Retirement account and investment information

• Social Security estimates

• Medicare coverage details

• Budget and cash flow information

• Insurance policies

• Estate planning documents

This targeted approach allows us to focus directly on the areas most important to you without requiring a full comprehensive planning engagement.

3 — Recommendations & Next Steps

We provide clear, actionable recommendations along with practical next steps to help you move forward with confidence.

Depending on the engagement, recommendations may include:

• Roth conversion analysis

• Social Security timing strategies

• Medicare planning guidance

• Retirement income questions

• Investment allocation review

• Tax planning strategies

• Budget and cash flow analysis

• Retirement readiness checkups

• Previous plan follow-up reviews

• Tax preparation and tax advisory services

Flexible Support On Your Terms

Focused Planning Sessions are offered on either:

• An hourly basis

• A fixed-fee project basis for clearly defined engagements

Hourly Rate

$275 per hour

Fixed-fee engagements are available for projects with a clearly defined scope and deliverables.

Tax Planning & Preparation Services

OTFP also provides tax planning and tax preparation services for individuals and retirees.

Services may include:

• Individual income tax preparation

• Retirement tax planning

• Roth conversion tax analysis

• Estimated tax planning

• Distribution and withholding strategies

• Tax-efficient retirement income planning

Tax preparation fees are based on the complexity of the return and the scope of services required.

Professional guidance when you need it — without a long-term commitment.