Retirement Planning & Investment Management
Make confident decisions about your retirement income, taxes, and investments.
I help people approaching or already in retirement with $500,000 or more in investable assets build a coordinated plan for turning their savings into retirement income. Together, we’ll connect your investments, withdrawal strategy, Social Security decisions, and tax planning, with ongoing guidance as life changes.
Who This Service Is For
This service is designed for people approaching or already in retirement who:
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Have $500,000 or more in investable assets.
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Want a clear plan for turning savings into retirement income.
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Need help coordinating withdrawals, Social Security, and tax decisions.
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Prefer professional investment management with ongoing financial guidance.
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Value a long-term relationship with an advisor who explains their options clearly.
What You Get With This Service
Retirement & Tax Planning
Ongoing Investment Management
A coordinated plan for the decisions that shape your retirement:
• When to retire and how much you can spend.
• How to combine savings, Social Security, and pension income.
• Which accounts to draw from and when.
• Whether Roth conversions fit your tax situation.
• How Medicare, insurance, and estate considerations fit into your plan.
A portfolio built around your retirement income needs, goals, and comfort with risk:
• A diversified mix of investments.
• Ongoing monitoring and rebalancing.
• Coordination across retirement and taxable accounts.
• Tax-efficient investment placement and tax-loss harvesting when appropriate.
• Adjustments as your circumstances and income needs change.
Ongoing Guidance as Life Changes
Your retirement plan should evolve with you. We’ll meet semiannually to review your progress, revisit important decisions, and adjust your plan as your needs change.
Between scheduled reviews, you can reach out with questions or schedule an additional conversation. Whether you’re considering a major purchase, facing a family change, or concerned about the markets, you’ll have someone to help you think through the next step.
Getting Started
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Schedule a 20-Minute Intro Call
We’ll discuss what you’re looking for, answer your initial questions, and see whether working together makes sense.
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Share Your Financial Picture
We’ll review your accounts, income sources, retirement goals, and the decisions you need help making.
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Build Your Retirement Plan
I’ll develop a coordinated plan for your retirement income, investments, and tax planning, then walk you through the recommendations.
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Put Your Plan Into Action
We’ll coordinate account transfers where needed, implement your investment strategy, and prioritize your next steps.
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Review and Adjust
We’ll meet semiannually, with additional conversations as needed, to keep your plan aligned with your life.
Advisory Fees
Minimum Investable Assets: $500,000
The applicable annual advisory rate applies to your entire account balance—not separately to portions of your balance.
Your advisory fee includes ongoing investment management, retirement and tax planning, semiannual review meetings, and additional conversations as needed. There is no separate financial planning fee for this service.
Assets Under Management Annual Advisory Fee
Up to $1,000,000 1.00%
Over $1,000,000 through $2,000,000 0.75%
Over $2,000,000 0.60%
About Rich McCormack, CFP®, RICP®
I’m the founder of School of Personal Finance and a CERTIFIED FINANCIAL PLANNER™ professional. I help people approaching or already in retirement connect their investments, income needs, and tax decisions into a coordinated plan.
You’ll work directly with me, with clear explanations and ongoing guidance to help you understand your options and make informed decisions.
Let’s Talk About Your Retirement
Schedule a 20-minute introductory call to discuss your goals, ask questions about the service, and see whether working together makes sense.