Managing The Symphony

Simple+ Financial Planning and Wealth Management

Orchestrate Your Financial Future with Expertise

Retirement is not just a phase of life; it's a complex financial journey where every decision can have a profound impact. Managing retirement on your own can feel like conducting an orchestra without a score, where each instrument represents a different aspect of your financial life.

All you want to do is land the plane safely into retirement with confidence you’re making the most of your financial resources.

Our Solution:

  • Comprehensive Financial Planning: Simple+ Financial Planning and Wealth Management offers an ongoing, in-depth service tailored to address all these complexities.

  • Dedicated Expertise: Work directly with our founder, Jason J. Hamilton, CFP®, who brings not just expertise but a personalized touch to your financial plan.

  • Orchestrating Harmony: We harmonize your income streams, investments, tax strategies, healthcare planning, and estate considerations to create a financial plan that resonates with your retirement goals.

Why Choose Simple+?

  • Expert Guidance: Navigating these challenges alone can be daunting. With Simple+, you have a seasoned financial conductor by your side.

  • Peace of Mind: Knowing your financial future is being expertly managed allows you to enjoy retirement with confidence.

  • Proven Expertise: Our experience in retirement planning ensures you're not just managing your finances, but optimizing them for your unique situation.

Retirement planning is an intricate process, filled with potential pitfalls and opportunities. By enrolling in our Simple+ Wealth Management service, you're not just planning for retirement; you're ensuring your financial symphony is conducted with precision, allowing you to focus on the encore - living your retirement to the fullest.

Here's why you might need a seasoned conductor:

These are the typical financial challenges a typical retiree faces:

  • Income Stream Coordination: Balancing multiple income sources like pensions, Social Security, annuities, and investment withdrawals requires careful orchestration to optimize tax efficiency and income stability.

  • Investment Strategy: Navigating market volatility, ensuring diversification, and adjusting your investment strategy as your risk tolerance changes can be overwhelming.

  • Tax Management: The tax landscape in retirement is filled with nuances. Understanding how to minimize tax liabilities, deal with Required Minimum Distributions (RMDs), and leverage tax-advantaged accounts is crucial.

  • Healthcare Costs: Projecting healthcare expenses, planning for Medicare, and considering long-term care can significantly impact your financial plan.

  • Longevity Risk: Ensuring your savings last throughout retirement, possibly for decades, requires strategic planning for longevity risk.

  • Inflation: Protecting your purchasing power against the silent thief of inflation is a challenge that needs proactive strategies.

  • Estate Planning: Creating a legacy, managing inheritance, and ensuring your wishes are carried out requires careful estate planning.

  • Social Security Strategies: Deciding when to claim Social Security benefits can greatly affect your retirement income strategy.

  • Emergency Liquidity: Maintaining enough liquidity for unexpected expenses without jeopardizing your long-term investment growth.

  • Sequence of Returns Risk: Managing the risk that comes with the order of your investment returns, especially in the early years of retirement.

  • Lifestyle Changes: Adapting your financial plan to changes in your lifestyle, hobbies, travel, or even relocation.

Secure Your Legacy:

You’ve been diligent over decades. Now it’s time to make your wealth last. It’s time to work with a fiduciary CFP® professional that can help you grow, protect, and enjoy the legacy you have created.

Ideal For:

  • Near Retirement: Clients within 5 years of retirement, where strategic planning can make a significant difference.

  • In Retirement: Those who want to savor their retirement years without the burden of financial management.

Key features of the Simple+ service include:

  • Stay on Course with Precision Planning

    Frequency:

    • Quarterly or Bi-Annual Strategic Reviews: We provide proactive oversight to keep your financial strategy on track.

  • Our proprietary Guardrails income maximization process helps you optimize your retirement spending, ensuring you make the most of your hard-earned wealth.

  • Implement a tailored investment strategy designed to target higher expected returns while managing risk.

  • Our team will employ advanced tax optimization strategies to maximize your after-tax wealth for both current and future spending.

  • You will have direct access to our founder, Jason J. Hamilton, a CERTIFIED FINANCIAL PLANNER™ professional who will serve as your trusted financial guide throughout retirement, providing expert advice and support whenever you need it.

  • Learn more about our Simple+ Financial Planning and Wealth Management service here.

  • At Keep It Simple Financial Planning, we believe in a straightforward approach to our fees. We are a fee-only firm—no commissions, no kickbacks, no hidden charges. Your trust is paramount, and our fee structure reflects our commitment to transparency.

    Our Fee Philosophy:

    • Direct From You: Our only fees are paid directly by our clients, ensuring our advice remains unbiased and in your best interest.

    Our Fee Options:

    • Assets Under Management (AUM) Fee:

      • First $1,000,000: 1%

      • $1,000,001 - $5,000,000: 0.80%

      • $5,000,001 and above: 0.50%

    • If you prefer to manage your own accounts, we offer financial planning services for a flat fee.

      • To ensure we can deliver the highest level of service, our minimum annual fee for this service is $10,000, billed at $2,500 per quarter.

      • *An onboarding fee may apply

    Why Our Fee Structure Matters:

    • Clarity: You know exactly what you're paying for, with no surprises or hidden costs.

    • Alignment of Interests: Our fees are directly tied to the growth and management of your assets, aligning our success with yours.

    • Value for Your Investment: With a fee-only model, you receive advice that's focused solely on enhancing your financial well-being, not on commissions.


    Choose Keep It Simple Financial Planning for a transparent, client-first approach to your financial planning. Our fees are clear, fair, and reflect our dedication to your retirement success.

    Learn more about why fee-only financial advising is in your best interest.

  • Learn more about our onboarding process here.

  • Our journey begins with our Retirement Vision Discovery call. This is a complimentary meeting to help you get clarity on your current financial standing. Schedule your call here.