Retirees hire us to protect their savings and turn them into income for life.
We bring your income, investments, taxes, insurance, and estate planning into one plan — so you can trust your money will last, and feel free to enjoy the retirement you built.
CERTIFIED FINANCIAL PLANNER™ (CFP®)
Fiduciary duty, in writing
Flat fee. Never a percentage of your assets.
Assets held at Altruist, an independent custodian
Colorado Registered Investment Adviser
Retirement doesn't come with instructions.
You spent decades learning how to save and invest. Retirement asks a completely different set of questions, and the answers have to work together.
Can I retire?
How do I know if I've saved enough?
Where will my paycheck come from?
How do I replace my paycheck with reliable retirement income?
What if the market crashes?
How do I protect my lifestyle during market downturns?
How much can I safely spend?
Can I enjoy retirement without worrying about running out of money?
How do I reduce taxes?
How can Roth conversions, withdrawal strategies, and tax planning work together?
How does it all fit together?
Investments. Income. Taxes. Social Security. Insurance. Estate planning. How do all the pieces work together?
Those aren't investment questions. They're retirement questions.
Now picture it handled.
Your paycheck shows up every month without you managing it. A rough market doesn't put your lifestyle at risk. And the trip you keep postponing turns into a date on the calendar. That's the goal — the confidence your money will last, and the freedom to enjoy what you built.
Separate decisions. One retirement plan.
Claiming Social Security, converting to a Roth, and choosing which account to spend first aren't separate questions — handle them separately and one undoes another. On their own they're a puzzle with no picture on the box: all the pieces, no way to see how they fit. Putting them into one picture is the whole job.
Income Sources
Social Security, pensions, other income
Investments
IRAs, taxable accounts, Roth accounts
Tax Strategy
Withdrawals, Roth conversions, RMDs
Cash Flow
Reserves and monthly spending
Your Coordinated Retirement Plan
The Investment Framework
Give every investment dollar one primary job.
Every dollar has one primary job: keep cash available, cover essential expenses, fund the life you want, or grow for later.
Liquidity
Cash for the next year or two, so you are not forced to sell investments at the wrong time.
Essential Income
Reliable income for the bills you need to pay, even when markets fall.
Discretionary Income
Income for travel, hobbies, family, and the parts of retirement you worked for.
Growth
Long-term investments for later years, inflation, and the legacy you want to leave.
A bad market should not decide when you sell. Cash and reliable income cover near-term needs, giving long-term investments time to recover. This strategy does not eliminate market risk or guarantee against loss.
Sample Deliverables
You'll get a written retirement plan you can actually use.
A written plan that names which account you spend first, when to claim Social Security, and what your tax bill looks like for the next ten years.
Sample Retirement Plan
Sample Investment Report
One page shows your income plan, your action list, and where every dollar sits. You can hand it to your spouse or your accountant and they will understand it.
Examples are hypothetical and for illustration only. Not a specific client, product, or outcome.
The comparison
What most people are handed. And what you get here.
The usual arrangement
- Your fee goes up every time the market does, for the same work.
- Advice that shrinks the portfolio costs the advisor money.
- A portfolio still built for accumulation, years after you stopped accumulating.
- “You're on track.” On track for what, exactly?
- Planning and investment management billed as if they're separate things.
- One annual review, then silence.
How this works
- One flat fee, agreed up front. $12,000 for a couple, $10,500 for an individual.
- One flat advisory fee that does not rise with your account balance.
- Every dollar gets a written job, in a portfolio built to win by losing less.
- A written plan covering income, tax, investments, and protection.
- One fee covers all of it. No hourly meter.
- Spring and fall planning meetings, with an open line in between.
Reducing downside exposure does not eliminate market risk and cannot guarantee against loss. Full fee schedule is on the Pricing page.
We're probably a good fit if...
This is for you if
- You're nearing retirement, or already retired.
- You've done a good job building your wealth.
- You're ready for a coordinated retirement plan.
- You want advice that goes beyond investment management.
- You'd rather focus on retirement than watch the stock market every day.
This isn't for you if
- You're trying to beat the market. We're not trying to.
- You want someone to call with stock ideas. That isn't the job.
- You have under about $1 million in investable assets. A percentage-based advisor is usually cheaper, and we'll tell you that on the first call.
- You want the cheapest advisor you can find. We aren't it.
- You want to hand it over and never think about it again. This asks for two real meetings a year from you.
We generally work with clients who have at least $1 million in investable assets.
Most have between $1 million and $10 million.
If the left column sounds like you, let's talk about your retirement.
Who you'd be working with
The person who builds your plan is the person who answers the phone.
I'm Doug Aumont, CFP®. I started Financial Thinking Partner after watching too many people reach retirement with a pile of money and no clear sense of what it was for.
There's no service team here and no handoff. You work with me.
Our Process
The Financial Thinking Partner® Process
One process for putting every piece of your retirement into a single picture — and keeping it current as life changes.
Understand your life. Coordinate your money. Adapt as life changes.
Understand your life.
We begin with the life you want, the income it requires, what matters most, and the risks that could get in the way.
Coordinate your money.
We bring income, investments, taxes, insurance, estate planning, and spending into one written retirement plan.
Adapt as life changes.
We implement the plan, review it in Spring and Fall Planning Meetings, and update it as life, markets, and tax laws change.
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 what to do about each one. Complimentary.
Trade the worry for a retirement you can enjoy.
When your income is solved and your assets are protected, you get the two things that matter most — the confidence your money will last, and the freedom to enjoy what you built.
Or reach out to Doug directly by sending him an email at doug@financialthinkingpartner.com.