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Retirement Planning for Pre-Retirees and Retirees

We Are a Fee-Only, Fiduciary, and Independent financial advisory firm focused on retirement planning

If you are approaching retirement or already retired, we help you make thoughtful decisions about retirement income, distribution strategies that consider tax implications, portfolio design, and ongoing financial planning.

We help you Visualize Your Retirement Possibilities™ through a collaborative planning process and a written retirement plan shaped by your goals, values, and sense of purpose.

Contact us to schedule a no-charge, no-obligation consultation to get acquainted.

Schedule a 30-min Consultation

Kastler Financial Planning — In-person meeting

We meet clients either in-person or through secure virtual sessions

retired couple on tele wealth session — Virtual Planning Session

Retirement Planning Services

We provide retirement planning and broader financial planning through a flat-fee, fiduciary model. We are not compensated by commissions on product sales, and as an independent firm, we are not limited to a single company’s solutions.

Planning First! means recommendations begin with thoughtful analysis—not product selection. We develop personalized retirement plans around your goals, income needs, taxes, investments, risks, and legacy priorities.

Retirement Vision and Goal Planning

Our retirement profiler helps you clarify your needs, priorities, goals, and purpose so you can begin shaping a meaningful vision for retirement.

The 7 Pillars Retirement Planning® eGuide can help you start the process in the comfort of your own home. There is no cost and no obligation to download the eGuide.

Get the eGuide

We Start Where You Are

With your vision and goals as a starting point, we analyze your current financial situation, create projections over a 30-year retirement time horizon, and craft various retirement scenarios–enabling you to Visualize your Retirement Possibilities™.

Retirement Planning Videos

Retirement Paycheck Planning

We use financial planning software to analyze your current financial picture, model retirement income and distribution strategies, and test a range of retirement scenarios. We then help you evaluate income sources such as Social Security, pensions (if available), RMDs, portfolio withdrawals, and other available resources. From there, we help you design a coordinated retirement income plan—your retirement paycheck—that is intended to support essential expenses and lifestyle goals.

Portfolio Design for Retirement

As you move into retirement, your investment approach may need to shift to reflect income needs, risk, flexibility, and long-term goals.

We evaluate your risk tolerance, risk capacity, time horizon, and preferences to design a portfolio aligned with your needs, goals, values, and purpose.

Guided by our 7 Pillars Investment Planning® framework, this may include a bucket system to help support your retirement paycheck strategy. Depending on your objectives, implementation may also include 7 Pillars Purpose-Driven Portfolios™, including Core and selected Satellite strategies.

Learn More About Purpose-Driven Portfolios

Your Written Retirement Plan

Once the analysis is complete, we review your retirement scenarios with you and prepare a written plan that may include an executive summary, action steps, and focused planning briefs.

Ongoing Retirement Planning

Retirement planning is not static. Ongoing planning can help you review your plan, adjust as life changes, and respond thoughtfully to new opportunities and challenges.

Second Opinion Retirement Plan Review

Already working with an advisor? We can provide a one-time second opinion to help you assess whether your retirement plan appears aligned with your retirement lifestyle goals.

Investment Management for Retirees

Investment management is available for clients who want ongoing management after the plan is complete. We use an approach focused on managing investment costs and have selected Charles Schwab as custodian for client accounts.

Learn more about how we integrate investment management with retirement planning and our low-cost tiered flat fee structure that aligns to our fiduciary model:

Learn More

Who We Help

We serve clients from many walks of life, with a special focus on people who are near retirement or already retired and value thoughtful, technically grounded planning. Generally that includes engineers, IT professionals, medical professionals, and business owners. We also have a heart for women that want to gain financial wisdom from a financial professional.

Pre-Retirees and Retirees

Thoughtful retirement planning for those nearing retirement or already retired.

Business Owners

Planning guidance for business owners and households with complex financial decisions.

Engineers / Medical / Tech Professionals

A planning process built for those who value depth, structure, and analysis.

Women

Providing thoughtful retirement planning guidance for women seeking greater clarity and confidence.

Download the eBook, "Women and Retirement" for thoughtful guidance as you plan your retirement roadmap.

Get the eBook

Retirement Planning Questions We Help Answer

Many people begin retirement planning with the same Top Three questions. They’re the right questions to ask. We address them through our 7 Pillars Retirement Planning® framework so you can move forward with clarity and confidence.

How much money do I need to retire?
Short Answer: We help you estimate the retirement assets and income needed for your retirement lifestyle, goals, healthcare considerations, and taxes–rather than relying on generic rules of thumb.
When can I retire?
Short Answer: We help evaluate your retirement timeline by reviewing your savings, Social Security timing, healthcare considerations, and income strategy across the seven pillars of retirement planning.
How will I create my retirement paycheck?
Short answer: We help design a coordinated plan for your retirement paycheck that draws from the resources available to you, considers tax implications, and helps support ongoing cash flow needs in retirement.

Want deeper answers? Visit our full Frequently Asked Questions page where we expand on these topics, and many more.

Visit the FAQ page

Why Clients Choose Kastler Financial Planning

Kastler Financial Planning exists to serve clients seeking retirement planning expertise with care, competence, and integrity.

Our Mission

Our mission is to provide clear, personalized retirement planning through thoughtful guidance, ongoing service, and a fiduciary commitment to act in our clients’ best interests.

More About KFP

Our Credentials

Retirement Income Certified Professional®
Master of Science in Finance
20+ years serving families
10+ years Retirement Planning

Meet Mike Kastler

Our Retirement Planning Process

Getting Acquainted

Your first meeting is a no-cost, no-obligation conversation to see whether your needs are a good fit for our planning philosophy and capabilities.

If it appears to be a good fit, we provide a Client Service Agreement outlining the services and fee.

Onboarding and Discovery

After the agreement is signed, we begin onboarding and discovery. We review your financial picture, gather information, and hold one or two meetings to explore your goals, concerns, and retirement priorities before building your plan.

7 Pillars Retirement Planning®

These are the 7 main pillars that we believe contribute to a well-rounded retirement plan:

Establishing a stable Income Plan
Portfolio design and Investment Plan
Tax planning
Understanding your risks
Healthcare options
Long-Term Care funding
Estate and Legacy planning

Learn More

Collaborative Reviews

We develop retirement scenarios and review them with you–before we finalize your plan–so you can see how different choices may affect your plan.

Personalized Solutions

We identify which income planning and investment strategies may best fit your retirement goals. We then craft a 7 Pillars Purpose-Driven Income Plan™ including your retirement paycheck and a 7 Pillars Purpose-Driven Portfolio™ that is right for you.

7 Pillars Investment Planning®

Our Investment Philosophy centers on aligning your investable assets with your stated retirement purpose

7 Pillars Investment Planning® is our broader investment planning framework. Within that framework, 7 Pillars Purpose-Driven Portfolios™ represents the portfolio design. Our investment planning approach consists of:

Planning First / Invest Intentionally
7 Pillars Purpose-Driven Portfolios™ may include Core portfolios designed to support your needs and goals and selected Satellite portfolios designed to reflect your values and purpose
Low-cost ETFs that put more of your dollars to work
Self-managed options for those with the knowledge and time
Professionally managed options at a low cost
Assets securely held with custodian Charles Schwab

Our objective is to help align your investment strategy with your broader goals and values.

How to Start Your Retirement Plan

Step

1 Schedule a Consultation

A 30-minute, no-charge, no-obligation conversation to learn about your goals and see whether there is a good mutual fit.

Step

2 Provide Your Information

If there's a good fit, we send a services agreement and begin securely gathering the information needed for planning.

Step

3 Collaborative Planning

We review your data, share planning analysis, present observations and recommendations, and write a final Plan.

Start your retirement planning journey started today.
No-Charge. No-Obligation

Schedule Your Retirement Planning Consultation

Schedule a Consultation

Your first 30-minute conversation is offered at no cost and with no obligation. It is a chance to discuss your situation, ask questions, and determine whether we are a good fit.