Retirees & Retirement Readiness

Retirement should be a time of confidence, security, and financial peace of mind—not uncertainty about whether your money will last. At Fortitude Financial Planning, we specialize in flat-fee financial planning designed for those entering retirement or already retired, helping you simplify, optimize, and protect your wealth so you can enjoy the life you’ve worked so hard to build.

Your Retirement, Your Plan—Not Someone Else’s Paycheck

Unlike traditional financial advisors who charge a percentage of your assets under management (AUM), we offer a transparent, flat-fee structure. This means:

  • No conflicts of interest—We don’t make more money by recommending certain investments.

  • No unnecessary risk-taking—We focus on preserving and strategically withdrawing your assets.

  • More of your money stays with you—Instead of paying a lifelong percentage fee, you get comprehensive, unbiased advice for a predictable cost.

How We Help You Navigate Retirement:

  • Tax-Efficient Withdrawal Strategies – Minimize taxes on Social Security, pensions, and IRA/401(k) withdrawals.

  • Cash Flow Planning – Create a sustainable income strategy that lasts through retirement.

  • Investment Planning – Shift from wealth accumulation to wealth preservation with a smart, low-cost portfolio.

  • Risk Management & Insurance Planning – Ensure you have the right coverage for long-term care, healthcare, and life insurance needs.

  • Estate & Legacy Planning – Protect your wealth and ensure a smooth transition for your heirs.

Why Work With a Flat-Fee Financial Planner?

  • Transparent, Cost-Effective Advice – Traditional AUM-based advisors often charge 1% or more of your assets annually. With a flat fee, you know exactly what you’re paying—no surprises, no hidden costs.

  • Independent, Fiduciary Guidance – As fiduciaries, we are legally bound to act in your best interest—not a brokerage firm’s.

  • Retirement-Focused Expertise – We specialize in helping retirees and pre-retirees make the most of their wealth.

Secure Your Retirement with Confidence

Whether you're approaching retirement or already enjoying it, we help you protect and optimize your wealth so you can focus on what matters most.

Ready to plan for the retirement you deserve? Contact us today to schedule a consultation with a trusted financial planner for retirees.