01
Taxes not legally owed
Social Security taxation, Roth conversion room, withdrawal order, and Medicare thresholds can create avoidable drag.
For households $500K+Independent fiduciary networkNationwide · virtual
A Briefing for Pre-Retirees · $500K+
$180,000 apart after ten years.
Same portfolio. Same market. Three invisible leaks.
Taxes you do not legally owe. Fees you have never seen on a statement. Advice from someone who already got paid. Watch the briefing, then book a call with a fiduciary from our vetted advisor network.
Fee-based · No commissionsIndependent fiduciary networkNo pressure, no pitch
Watch first14:42
6,300+Plans reviewed
$500K+Minimum to qualify
50 statesVirtual, nationwide
FiduciariesAll of our select advisors adhere to the highest standards.
The leaks are hard to see because they rarely look like losses at first.
The briefing opens with three leaks: taxes you do not legally owe, fees you have never actually seen, and advice from someone who may not benefit when your plan improves. None of those looks like a market crash on a statement, but over 20 or 30 years they can do more damage.
The side-by-side example compares two retirees with similar portfolios, goals, and spending needs. Ten years later, one is roughly $180,000 ahead because the tax bracket, fee stack, Social Security timing, and advisor alignment were managed together.
The point is not finding the cheapest option. Good advice costs money. The point is knowing exactly what you pay, what you receive, and whether the advisor is built to plug leaks instead of profit from them.
The framework
The three leaks that separate similar retirees over time.
02
Fees never actually seen
Fund expenses, advisory fees, trading costs, administrative fees, and surrender charges compound quietly.
03
Misaligned advice
A suitable product sale is not the same as a fiduciary plan with ongoing incentives tied to client outcomes.
Who builds your plan
A select network of independent fiduciary advisors.
The Right Retirement Plan doesn't manage money. We publish the research, then route qualified households to a short list of vetted independent fiduciary advisors who actually run the five-layer model end-to-end.
You're not getting a call center. You're getting one advisor, matched to your situation, in your state.
Fiduciaries
All of our select advisors adhere to the highest standards.
All five layers, in-house
Tax, income, investments, estate, and protection coordinated under one plan — not five disconnected vendors.
10+ years working with pre-retirees
Every advisor in the network has spent at least a decade on the retirement-income problem — not accumulation.
Background-checked, reviewed quarterly
Clean U4, no disclosure events, ongoing client-feedback reviews. If a complaint sticks, they're out.
See if your household qualifies.
Takes about 30 seconds. We'll confirm a fit before booking anything. No third-party calls.