About Me
With 40 years of experience, Jim is a noted expert in the field of financial planning. He is a published researcher and sits on the Editorial Board of the Journal of Retirement. Jim has been frequently quoted in The Wall Street Journal, The New York Times, Kiplinger, Yahoo Finance and other media outlets.
Jim has designed his practice based on the concept that lower fees will result in higher amounts of retirement income and future inheritances for heirs. He emphatically believes that lower fees are doable based on the plethora of new high quality financial planning software that is now available, and the comfort Americans now have with meeting with an adviser acting in a fiduciary capacity in a virtual setting. Jim also believes that many Americans entering retiring can benefit from the advice of a CFP professional and then use AI tools to manage much on their own. Thus, lower fees result in larger amounts of retirement income and inheritances.
He has been awarded three patents, including one on the Social Security Bridge concept which he created in the early 2000s.
Jim's typical client has $1,000,000 to $4,000,000 of retirement savings in traditional, pre-tax accounts such as IRAs and 401(k)s, some Roth savings, and Social Security. His expertise lies in designing a tax-efficient retirement plan that utilizes a "guardrails" approach to optimize income and enhance financial security.
Mission Statement
My mission is to help DIY-minded retirees make smarter retirement income, tax, Social Security, and withdrawal decisions—without paying an ongoing AUM fee.
Why I Became an Advisor
Creating a resilient retirement income plan is tremendously important as it touches not only the retiree but potentially a spouse, children and even grandchildren. It's not easy in a 401(k) world. There are a lot - I mean a lot - of individuals trying to sell you products that have large fees (and large commissions for them). I wanted to build something that helped retirees avoid that.