Retire confidently.
We help people approaching retirement leave the workforce with confidence through comprehensive financial planning.
Flat-Fee Financial Advisor (Fee includes Investment Management)
✔ Aim to retire in 10 years or less
✔ Are seeking a Flat-Fee Retirement Planner
✔ Desire a trusted, ongoing relationship with a Certified Financial Planner® practitioner
We’re a great match if you:
Addressing your biggest concerns:
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When can we retire confidently and still maintain our lifestyle?
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Should I be conducting Roth Conversions?
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When should I claim Social Security?
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What is the most tax-efficient withdrawal order?
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How do we minimize taxes both this year and across our lifetime?
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How can we reduce stress around our finances?
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Can we afford to leave assets to our heirs or important causes?
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How should I plan for a long-term care event?
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How much will be needed from our investments each year?
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How should I be invested to make my money last?
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Should I carry any debt into retirement?
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How much should I anticipate in healthcare costs?
How We’re Different
Retirement Focused
We focus solely on those approaching retirement and are a credentialed Retirement Income Certified Professional®. We dedicate our services and professional training to meet these specific planning needs.
Fiduciary Relationship
As a Certified Financial Planner™ Practitioner we act as a fiduciary, always in the best interests of the client. Read the Code of Ethics here.
Virtual Services
We are a ‘virtual first’ firm headquartered in San Diego, CA serving clients nationwide virtually using today’s best and safest technology.
Transparent Flat-Fee & Fee Only
Our flat-fee (outlined here) includes both tax-efficient Financial Planning and Investment Management. We are never compensated by a 3rd party and our fee is not tied to your account value or based off of the sale of any product.
Independently Owned
We’re an independent Registered Investment Advisor (RIA) and aren’t affiliated with any bank, brokerage firm or insurance company. This removes restrictions or incentives to use specific products, make certain recommendations, or meet quotas.
Tax Conscious
Because taxes impacts almost all areas of a financial plan, we place importance on minimizing taxes in every way possible. This sets us apart from other advisors that don’t have the experience or ability to conduct such essential tax planning.
MEET YOUR ADVISOR
Eric Niergarth, CFP®, RICP®
Eric Niergarth holds over a decade of financial services experience. He is passionate about helping people prepare for and transition into their ideal retirement.
Schedule A Free Consultation
