While Retirement Researcher focuses on providing the education you'll need to navigate your retirement planning journey and do-it-yourself, our sister firm, McLean Asset Management, serves as the implementation arm: done-for-you.

We understand that managing this process yourself is important to you, but we also know that retirement planning isn't easy. And unfortunately, the reality is that you only get one chance to do it right. That's why we have teamed up with McLean Asset Management to offer access to a one-time financial plan without the commitment of an ongoing wealth management advisory relationship.

Coming Soon: Retirement.

If your stomach dropped a little reading that headline, you’re not alone. In fact, we’ve built our entire company around turning that stomach drop into a sigh of relief. Because like a blockbuster movie, retirement is coming soon. And while you might not know the release date yet, you know there is one and McLean can help you find it.

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But getting help with my retirement requires a long-term commitment to an advisor?

Historically yes, but let us introduce you to our Standalone Plan.

Sometimes, an expensive, long-term commitment feels like the only option available when looking for advice to help you achieve your retirement goals. A standalone planning engagement gets you going down the right path without committing to a full-time guide.

So what is the Standalone Plan all about?

"Unbundling" Access to Retirement Planning Expertise

While most financial advisory firms prefer to sell you on a long-term engagement, McLean designed a standalone planning engagement that gives you access to the expertise of our advisors without the requirement for a long-term commitment.

The engagement covers the most common retirement planning topics and provides recommendations to keep you on track towards meeting your goals.

It's All About You

The process of building a retirement income strategy involves determining how to best combine retirement income tools to optimize the balance between meeting your retirement goals and protecting those goals from the unique risks of retirement. There are many ways to construct a successful retirement income plan. There is no "one" right answer.

The standalone planning engagement provides a personalized roadmap and implementation recommendations tailored to your needs.

What is Included in a Standalone Plan?

A Reliable Income Analysis

An analysis of your spending patterns throughout retirement and your ability to fund your goals. This includes optimizing current resources and introducing new strategies when appropriate. The resulting analysis identifies any existing income gaps and recommends how to best address these by providing specific strategy and implementation recommendations.

A Tool to Learn Your Retirement Income Preferences

Take the RISA® and learn your retirement income preferences.

There are many ways to construct a successful retirement income plan. There is no one-size-fits-all approach.

The best tools for your plan largely depend on your retirement income style preferences. The RISA® serves to evaluate your preferences, aligning them with specific implementation tools and strategies that align with your "profile."

Think of it like a personality test for your retirement income preferences.

An Investment
Review

The engagement includes an analysis of your current investment portfolio and overall strategy.

Your portfolio expenses, investment diversification, style, and overall asset allocation are reviewed. McLean's investment recommendations are high-level and will not include specific product recommendations.

A Tax Planning
Review

McLean will review your prior year's income tax return to identify tax planning opportunities.

The engagement also includes an analysis of your retirement income plan with recommendations for tax-efficient and tax-saving strategies such as asset location changes or Roth conversions where appropriate.

A tax projection will be provided that illustrates the potential impact of implementing tax planning recommendations.

An Insurance
Review

McLean will review existing life insurance, annuity contracts, disability policies, and long-term care policies, recommending changes where appropriate. As part of your goals-based financial plan, McLean will evaluate your coverage needs and analyze whether insurance products can increase your plan's probability of success, recommending specific products where appropriate. Note that there is no obligation to implement any insurance recommendations with McLean.

And Any Other
Considerations

As applicable, McLean will incorporate goals such as debt repayment strategies, impact of housing and domestic relocation, reverse mortgages, as well as gifting and legacy considerations.

All Culminating In...

A Presentation of Goals-Based Financial Plan and Recommendations

The goals-based financial plan uses a Monte Carlo analysis to illustrate the probability of success in meeting your goals. This analysis incorporates into your plan the effects of variable inputs such as inflation, sequence of returns risk (market risk), variable spending amounts/patterns, and other factors specific to you. In addition, we will present recommendations for any retirement income solutions as a result of the reliable income analysis.

If applicable, the following services will be included:

Pension Review

A review of your current pension(s) and how to best utilize the income within your retirement income plan to meet your goals. Includes an analysis of available distribution options with implementation recommendations based on your goals and circumstances.

Education Planning

Includes a review of expected education expenses and recommendations for how to fund them.

Medicare Election Consulting

For individuals age 63+, the engagement includes a discussion with McLean’s strategic partner to determine recommendations for Medicare elections based on your situation.

Charitable Planning or Gifting Strategies

As desired, McLean will incorporate any charitable giving or gifting intentions into your plan to illustrate the impact. If appropriate, we will provide recommendations for strategies to achieve your goals.

Is this just a sales pitch to gather my assets?

No! We believe in comprehensive planning and invest 40+ hours of professional time into each engagement.

Many firms that offer a "free" or low cost plan are often using it as a sales tool to gather assets. McLean designed a comprehensive engagement that covers the baseline needs for most people. Instead of a "bait and switch" tactic, we are simply charging for the time it takes to build the plan and present our recommendations.

How long will we work together?

Our Standalone Plan engagement usually lasts around 3 months.

The engagement begins with a Discovery meeting and talk through the specifics of your planning needs. After that meeting, the planning team gets to work building your personalized plan based on the information provided. Once the plan is ready, we will meet again to review the output, implementation recommendations, and next steps. There is an option to schedule a follow-up call to address questions for a period after the plan presentation meeting.

Our standalone plan has a
standalone payment.
Makes sense.

One-time
payment:

~~$7,995~~

Academy Member
Discounted Price

$6,495

Questions?

Read our FAQ >

Meet Your Team

Jason Rizkallah, CFP®, RICP®

Managing Director
Financial Planning

Stephen Pomanti, MS, MSFS, CFP®, ChFC®, CLU®

Financial Planner

Lauren Squeglia, PPC®

Planning and Insurance Coordinator

Take the next step
towards retirement clarity.

McLean Asset Management Corporation (“MAMC”) is a SEC-registered investment adviser. MAMC only transacts business in states where it is properly registered or excluded or exempt from registration requirements. The information provided herein is for educational purposes only and should not be construed as investment advice and does not intend to make an offer to sell or a solicitation of an offer to buy or sell securities. It is not intended to provide specific legal, tax, or other professional advice. Investments involve risk and unless otherwise stated, are not guaranteed. Although Information has been obtained from sources deemed to be reliable, we make no guarantee as to the accuracy or completeness of this data. MAMC shall not be liable for any errors or omissions, or for any actions taken in reliance thereon. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.