Each choice we make in retirement changes the others we've already made, and creates new ones we haven't faced yet.
That's the nature of an interconnected system, and it's the exact problem we solve at Janus Financial. We build dynamic retirement plans that connect your taxes, income, investments, health care, and estate — and keep them connected as your life and the world around you change.
CFP® · IRS Enrolled Agent · FiduciaryThese aren't six separate questions. Every answer changes the other five — and that's the real problem. ↓
Take one question from the list above: "Should I convert to Roth this year?" The answer to this one simple question changes six other parts of your plan at the same time.
Now multiply that by every question on the list. That's why retirement planning feels unsolvable: each piece of research answers one thing and unsettles three more. It isn't you. It's how the system works.
So you're right to have all these questions. And it's why getting organized isn't enough — organized pieces are still separate pieces. You need a dynamic retirement plan: one that addresses every interconnected area at once, and adjusts the whole plan when any part of it changes.
We offer a one-time planning engagement that builds your complete retirement system: what you can safely spend, which accounts to draw from and when, when to claim Social Security, your Roth conversion schedule, health coverage before Medicare, and what passes to your family. Connected, because none of those decisions works alone.
And we don't just hand it to you — we teach it. Every step of the engagement shows you the frameworks behind each decision, so when your life or the world changes, you're not starting over: the contingency plans are already in place, and you know exactly how your plan will adapt.
$3,750 to start
$1,250 per month across three months
A no-cost, no-obligation conversation to see if we're a fit.
Structured meetings to build your complete retirement system.
Run it yourself, or have us run it with you. Your call.
Your Advisor
Financial Analyst
Practice Coordinator
No, the entire planning engagement is completed without moving a single dollar. If you're looking for ongoing investment management, that's a separate decision made after the plan is built — never a condition of it.
For clients who do choose it, we charge a blended fee: 1% on the first $1 million we manage, and 0.50% on assets above that.
Often, yes. Plenty of people come to us with a plan already, whether they built it themselves, used planning software, or have an advisor. Usually what's missing isn't the plan, it's confidence that all the pieces actually fit and are working together rather than in isolation. We don't spot-check a plan one piece at a time, because no piece is right or wrong on its own. Each one depends on all the others. The only way to know whether your plan holds up is to rebuild it as one system and test how the parts move together.
That's often the best time to start. Walking through the process early is what tells you whether your timeline is realistic. In fact, by going through the planning engagement, our clients often learn they can retire sooner than they thought. The call itself just establishes fit and holds your place, since start dates are scheduled out. There's no obligation created by talking.
Yes to both. As an IRS Enrolled Agent, Ryan is federally licensed to give specific tax advice — you won't hear the "consult your tax professional" disclaimer you get from most advisors. Explicit tax recommendations are built into every plan. And for our clients who engage us in ongoing service, we prepare their return as well, so the strategy and the filing never fall out of sync.
A self-directed plan almost never has the three things people come to us for.
Perspective. You've planned one retirement, your own, and you're seeing it up close for the first time. We've worked through thousands, with people at every stage of retirement. When you're inside your own numbers, the blind spots you can't see are the ones that cost you, and they're rarely a decision you got wrong. They're the opportunities no one pointed out, the assumptions that don't hold, the risks that never made it onto your list. You don't know what you don't know, and that's exactly what a second set of experienced eyes is for.
Expertise. We do one thing and one thing only. Retirement. That specialty is the difference between just running numbers and knowing what to do with them. You've probably seen the alternatives already. An advisor who talks about Roth conversions or withdrawal order in general terms, then tells you to run it by your CPA. Or software that produces an analysis but can't stand behind a single recommendation in it. Both leave you holding the decision, because talking about a strategy and being licensed to advise you on yours are two different things. As an IRS Enrolled Agent, we are that licensed professional. We give the tax advice, build it into your plan, and prepare the returns that carry it out. We don't hand you a recommendation and step back from it. We make the call, we put it in writing, and we own it.
Objectivity. When we build your plan, we're compensated by a flat, transparent fee. There's no product we're trying to place, no commission riding on your decision or shaping the recommendation one way or another. So you're no longer left wondering what's really motivating the advice, or whether there's an angle you can't see. You can take the advice at face value and trust that it was built around the most important thing, which is what's right for you.
What you ultimately stand to gain is a lower chance of a costly, hard-to-undo mistake, and the perspective, expertise, and objectivity that come from working with us.
The purpose of this call is to talk through where you are, what you're trying to solve, and whether it makes sense to work together. There's no pitch, and nothing gets decided on the call.