Fiduciary retirement planning with Doug Aumont, CFP®
You’ve built a successful career. What comes next?
More meaningful work. More time for what matters. A financial plan for making work optional.
For people within 10 years of making work optional—or ready to plan sooner.
Room for what’s next
A full career. A quieter house. A different kind of ambition.
As children build lives of their own, you may be asking a new question: what do I want my time and work to stand for now?
CERTIFIED FINANCIAL PLANNER® (CFP®)
Fiduciary duty as an investment adviser
Investment accounts held with Altruist, a third-party custodian
Colorado Registered Investment Adviser
Money & Meaning
Design the overlap.
The right time is personal. We help you explore how your resources can support the life you want while you have the time and energy to enjoy it.
Work with more meaning
Choose a role for its purpose, not just its paycheck.
Make room for life
Protect time for your health, relationships, and interests.
Give back in your own way
Mentor, support a cause, or put your experience to work.
A plan for your money. More room for your life.
01
Define the next chapter
Guided discovery explores your values, goals, beliefs, and the tradeoffs that matter to you.
02
Explore what it takes
Compare staying, scaling back, or changing roles. Model savings, spending, and investments; stress-test markets, inflation, and longevity—not a guaranteed date.
03
Put a plan in motion
Agree on a coordinated plan, then delegate implementation. Revisit it as life changes.
Your priorities change. Your plan should keep up.
What matters most today may change as work, health, and family life change. Discovery helps us talk about what you want, what has changed, and what your money needs to support.
We start there, then revisit those questions as life moves on.
What matters now
More time for family, health, or work you enjoy.
What changes
A new role, a family need, or a change in health.
What we revisit
Your goals, spending, and choices about work.
Guided Discovery with Knomee. About 8 minutes. A Knomee account is needed. Opens in a new tab.
Planning ahead for retirement income
Give every dollar a job.
As work becomes optional, your savings will need to do different things. Plan ahead around three jobs: Cash, Income and Growth.
We consider taxes and how much risk you can afford to take across all three jobs.
Cash
Money for bills and unexpected costs.
Keep accessible money for near-term needs and surprises, sized to your situation.
Income
Regular money to live on.
Coordinate outside income and portfolio withdrawals around your spending plan. At your request, we can help set up scheduled withdrawals to your checking account, or you can arrange them yourself through Altruist. Transfers depend on available settled cash and Altruist processing; a date that falls on a weekend or holiday generally processes on the next business day.
Growth
Money for later in retirement.
Invest for future needs with attention to downside risk. Returns vary and losses are possible.
The partnership
Your priorities guide the plan. I manage the details.
You share what matters and what changes. I explain the tradeoffs and oversee day-to-day investment management within the strategy we agree on.
Who this fits.
You’re within 10 years of making work optional—or want to start building that freedom sooner. You value thoughtful planning and want to delegate the details.
Who you'd be working with
You work directly with Doug.
I'm Doug Aumont, CFP®. I started Financial Thinking Partner to help you connect what you’ve saved with the life you want—and think carefully about the decisions ahead.
The person who builds your plan is the person you talk to about it.
Financial Thinking Partner® Wealth Advisors brings financial planning and investment management together, from Parker, Colorado.
Not ready to talk yet?
The 10 Problems That Can Derail Your Retirement.
A plain-English guide to the risks that do the most damage in the first ten years of retirement, and questions to plan for each one. Complimentary.
Download guide (PDF)Free PDF. No email or sign-up required.
Could your next chapter start sooner?
Explore the choices and tradeoffs before making a career change.
Or reach out to Doug directly by sending him an email at doug@financialthinkingpartner.com.