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How we start (for retirees)
Money clarity, human first.®
Retirement changes your money rhythm. We’ll line up Social Security, pensions, annuities and RMD cash‑in/cash‑out with a simple month you can actually run. No complex apps—just one page and two small habits to start.
Session 1: Build your one‑page Money Map; set two weekly caps; schedule the first buffer transfer.
Session 2: Unnecessary Expense Audit — trim 2–3 recurring expenses; add a renegotiation script; note beneficiaries/renewals to review with your advisor/attorney.
How we customize your first two sessions
How customization works (first two sessions)
- Purpose Budget: Build a one‑page month that matches your income rhythm; set auto‑transfers for buffers.
- Unnecessary Expense Audit: Find and trim 2–3 recurring expenses; add a renegotiation script you can reuse.
- Light organization: Prompts for beneficiaries/renewals (education only; legal/tax handled separately).
How do I see more immediate financial results?
Money Map Sprint — 4 weeks
Outcome: Quick traction this month—predictable cash‑flow, 2–3 unnecessary expenses trimmed, weekly caps that stick.
Includes: Money Map QuickStart • Weekly caps • 2 micro‑scripts • follow‑up notes.
Cadence: 1×60‑min kickoff + 3×45‑min check‑ins.
Pricing (typical): Hourly $175; most invest 3–5 hours ($525–$875).
Flat fee option (save up to ~10%): $789 (covers up to 5 hours; additional time $175/hr).
How do I learn about personal money management?
Financial Foundations 90 — 90 days
Financial Foundations 90 — 90 days
Outcome: Durable habits and safety: a funded buffer, steady weeks, and decisions that feel calm.
Includes: Rules of the Road (debt/asset/benefits) • Buffer plan with auto‑transfers • Weekly tracker (paper or simple sheet) • Quarter‑ahead preview.
Cadence: 1×75‑min start line + bi‑weekly 45‑min sessions (5 total) + light email touchpoints.
Pricing (typical): Hourly $175; most invest 6–10 hours ($1,050–$1,750).
Flat fee option (save up to ~10%): $1,575 (covers up to 10 hours; additional time $175/hr).
How hard is it to move abroad?
Momentum 90 — 90 days
Outcome: Align money with purpose—giving plans, part‑time pivots, or board/leadership roles.
Includes: Purpose projects plan • “wins to stories” work • gentle follow‑through cadence.
Cadence: 1×75‑min start line + bi‑weekly 45‑min sessions (5 total).
Pricing (typical): Hourly $175; most invest 8–12 hours ($1,400–$2,100).
Flat fee option (save up to ~10%): $1,890 (covers up to 12 hours; additional time $175/hr).
Considering a move abroad? Pair Money Map Sprint with Expat Money Launch (see Services). We’ll pressure‑test first‑month costs and banking/FX routes before you leap.
Optional Add‑Ons
retiree favorites
- Legacy & Essentials Binder Setup — $475 (3 hrs)
What we do: inventory accounts/bills, beneficiary prompts, contacts list, document locations, “how to access” page.
Deliverables: printable table of contents, checklists, family hand‑off guide.
Boundary: legal documents/estate planning handled by your attorney (separate engagement). - RMD Readiness & Income Flow (Questions Pack) — $315 (2 hrs)
What we do: map RMD cash‑in/cash‑out on your monthly plan; build a prompt list for your planner/CPA (timing, withholding, Roth interactions).
Deliverables: one‑page flow map + questions list.
Boundary: no tax or investment advice; decisions with your advisor/CPA. - Retirement Tax Changes — Awareness Coaching — $315 (2 hrs)
What we do: surface common friction (IRMAA/Medicare surcharges, bracket creep, capital gains timing), build a questions sheet for your CPA.
Deliverables: personalized “ask your CPA” sheet + monthly line‑item adjustments. - Medicaid Look‑Back Awareness (Elder‑Law Prep) — $315 (2 hrs)
What we do: review spending/asset categories so you can speak clearly with an elder‑law attorney about 5‑year look‑back considerations.
Deliverables: intake organizer + questions list.
Boundary: legal strategy is attorney‑only. - Beneficiary & Accounts Check‑Up — $240 (1.5 hrs)
What we do: gather account list, prompt beneficiary updates, note renewal dates, set a semi‑annual check‑up reminder.
Deliverables: simple “accounts & beneficiaries” sheet + reminder plan.
All add‑ons are educational coaching. Additional time $175/hr. Neutral referrals available; no referral compensation received.
What can I expect in 30 days?
Proof you’ll feel (first 30 days)
- 2–3 recurring expenses reduced or cancelled
- Auto‑transfers to a Calm Buffer running
- Weekly caps set in your bank app or on paper
- A one‑page Purpose Budget you’ll actually use