For a simple, flat fee, you will get all the advice, tools, and expertise you need from a veteran CFP® to create and manage your early retirement plan.
If you experience my Early Retirement Planning System you will empowered to gain:
The CLARITY you've been seeking around when you can make work optional and how much you can spend
The CONFIDENCE to pull the trigger at the right time so you can avoid dealing with burnout longer than neccessary
The CONTROL over your plan and investments that you desire
FREE, ongoing access to powerful financial planning software and a repeatable action plan for keeping it updated
All 5-Star Google Reviews For A Reason
All I do is create comprehensive plans for people targeting early retirement. I've done this so many times over the past few years that I believe I have perfected an early retirement planning system that empowers you to achieve the clarity, confidence, and control you need. My wife is a long-time Mayo employee and I have extensive experience with analyzing pension, and other benefits. I have been a CFP® for about 12 years, I've been in the financial advice industry for 15 years, and I started investing when I was 16. I have a lot of experience and expertise for someone my age. Because of my flat-fee, advice-only financial planning model, you won't ever have to wonder if the advice I'm giving you is truly in your best interest. Without that mental roadblock, we are empowered to really take action and improve your financial wellbeing.
You can read all my Google Reviews here. These clients were not compensated, nor are there material conflicts of interest that would affect the given testimonials
I Guide Mayo Employees Through Two Distinct Phases Of Financial Life Planning. Which One Are You In?
Young Professionals
Make It Grow
The planning experience in this stage is designed for Mayo employees who are still working and are being forced to balance multiple financial goals such as retiring as soon as possible, buying a house, paying off student debt, and saving for college, all while growing your assets, family, and your career. We will help you create a plan that grows the wealth you will need to retire early, without having to sacrifice your happiness in the present. We focus on:
- calculating exactly how much to save in which types of accounts
- growing your assets through disciplined investing
- tackling student loans and other debt
- planning for large financial goals such as home purchases, college expenses, weddings, etc
- managing your cash flow
- unbiased 401(k) and 403(b) plan reviews
- organizing your financial life
- making sure you have proper insurance coverage
- managing life transitions such as going back to school, starting a business, or taking a temporary work sabbatical
Pre-Retirees
Make It Flow
This planning experience is designed for those who are in the last stage of their career and are ready to consider what life looks like after work. Retiring in your 40's, 50's, or early 60's is more challenging than retiring when you are already old enough to benefit from Social Security Income, Medicare, and pensions. You need a plan that enables you to create your own paycheck from your assets, before those other benefits kick in later in life. You also need a tax efficient income plan for when you start receiving those benefits. We focus on creating lifetime income and minimizing taxes through:
- future cash flow analysis
- tax minimization
- social security optimization
- healthcare expense planning
- pension option analysis
- unbiased rollover analysis
- strategic withdrawal sequencing
- tax efficient Roth conversion strategies
- strategic asset location
- asset allocation
- portfolio stress-testing
All Clients Get Free Unlimited Ongoing Access To Our State Of The Art Financial Portal
The Early Retirement Planning System Process And Pricing For Mayo Clinic Employees
Over the years I have perfected a planning experience that takes the complicated process of early retirement planning and makes it feel simple. My planning experience generally consists of three to four remote video meetings over the course of one to two months. Upon completion of our engagement you will receive a summary investment and withdrawal strategy document, and free, ongoing access to my planning software.
Step 1: Schedule An Intro Meeting (this part is free)
I'll email you an Initial Planning Needs Questionnaire for you to complete. This will help us both gain an understanding of what your planning needs are. Don't worry, I won't force you to provide me with any account balances or financial details yet. We'll then conduct a complimentary video meeting so we can discuss your questionnaire and goals in more detail.
I'll also share my screen so I can provide a live tour of the "Map Your Wealth" experience. This won't be a canned "strategy session" with a high pressure sales pitch at the end. This first connection simply arms us both with more information so we can begin to determine if we might be a good fit for each other.
Step 2: Organize Your Financial Life And Create A Detailed Roadmap For Your Financial Future
Using my custom, easy to use digital template, we will organizer your entire financial life in a state of the art personal financial portal that will give you 24/7 access to keep track of your financial plan and progress in real time.
We will then go through the process of creating a comprehensive retirement roadmap that will address all the financial concerns you already have, and even the ones you didn't know you should have.
Step 3: Enjoy The Sense of Relief and Confidence That Comes From Knowing You Are On Track To Live Your Best Possible Life In Retirement
*Bonus: Free Ongoing Access To The Tools You Need To Stay On Track
At this point, we've worked really hard to organize your financial life and create a roadmap for your future, so I don't want you to lose access to all of it. This last step is partly what separates me from a lot of other hourly or project plan advisors. Upon completion of our engagement:
- You will be granted free, ongoing access to your personalized financial portal. This means you can continue to leverage the budgeting tool, track your account balances, investments, net worth, and update your income, savings, and goals so you can see how those changes impact your projected lifestyle moving forward.
- Through the portal and app you will receive reminders throughout the year to review various aspects of your financial life. These reminders include educational content so you can learn to do this without having to pay for another financial advisor engagement.
- You will also have access to your secure digital vault where all your important documents can be safely stored for your loved ones to access in case something happens to you.
All-Inclusive Pricing for Mayo Clinic Employees
Couples: $2850 Billed As $475/Month for Six Months
Individuals: $2400 Billed as $400/Month For Six Months
That's it. There are no other hidden fees or expenses.
*I typically increase my pricing each January to keep up with the annual increases I have to pay for my business expenses including my financial planning software. Anyone who has not sig
Why Did I Start My Own Firm
The longer I've been in the financial advice industry, the more it has become clear to me that it needs to change if advisors ever want it to be a truly trusted profession. When I made the decision to found HCP Wealth Planning, I embarked on a mission to create a more effective financial planning experience that eliminates the sales-based advice and conflicts of interest that plague our industry. I also wanted to be able to help those who may be turned away by other more traditional advisors simply because they didn't have enough assets saved up yet, or they prefer to manage them on their own. The only way I knew how to accomplish this was to build my own firm with a flat fee pricing model. I knew from the onset that I wanted to focus on helping healthcare professionals as I have been surrounded by them my entire life.
My Background
I grew up in North Carolina, but I currently live in Jacksonville, FL with my wife Melissa (who is an RN at the Mayo Clinic in Jacksonville), our daughter Cameron, our son Julian, and our mini schnauzer, Louie. My passion for finance began in high school when I started following the stock market just before the dot-com crash and quickly learned the importance of diversification. It turns out that putting all my money from my part-time job into a single company's stock based on the advice of some random dude in the local newspaper was not a good idea. Eventually, this led me to obtain a degree in finance from North Carolina State University. Upon graduation, I spent the next twelve years working for one of the major brokerage firms where a lot of my time was spent providing financial advice to employees of some of the largest hospital systems in the country.
I live close to the beach and I love to simply spend time out there with my family and friends. I'm a die-hard football fan (still working on turning my wife into the same). When I can find the time, I do enjoy going on a long run and hope to one day participate in The Southernmost Marathon in Key West. The past few years I've been attempting to make myself a better cook and figure out how to make all of my wife's delicious family recipes myself. Any time spent playing with my children is my favorite part of each day.
Want To Learn More? No Need To Play Phone Tag!
Whether you're ready to schedule a free video meeting so we can get to know each other better and we can provide you a live tour of our client experience, or you just want to chat over an informal phone call to ask us some questions, we encourage you to use our calendar link below so you know exactly when we will be connecting.
This won't be a canned "strategy session" with a high pressure sales pitch at the end. This first connection simply arms us both with more information so we can begin to determine if we might be a good fit for each other. If we aren't, we will do our best to refer you to another firm who may serve you better.
View Our Calendar To Schedule A Free Call Or Video Meeting
Even if you decide you aren't ready to partner with us, we will provide with you with some actionable tips to help you improve your financial life.