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Retirement Readiness Evaluation
Find out if you're ready — before you hand in your notice.
Ages 55–70 · Approaching retirement in 5 years or less
Moving from a saver to a spender of savings is not for the faint of heart. Are you unsure how to handle Social Security timing, pension options, Roth conversions, or Long Term Care planning? You’re not alone — and you don’t have to figure it out by yourself.
Using projection software and 27+ years of experience, Kristi will determine if you’re on the right path for retirement in the near future. You’ll have time to make necessary changes — or pat yourself on the back for a job well done.
How the Process Works
A clear, structured process designed to be thorough while respecting your time.
Phase 1
Collect your financial data
- Fill out the easy-to-use online fact finder
- Tell Kristi the burning questions you most want answered
Phase 2
Project your retirement scenarios
- One base case scenario created before your first appointment using projection software
- Up to three meetings to refine your retirement projection
- Model variables: Social Security timing, relocation, college integration, pension options, home equity, Long Term Care, legacy wishes, Roth conversions, charitable giving
Phase 3
Get clear answers and next steps
- High-level discussion on tax-efficient account withdrawals
- High-level investment review for red flags or easy improvements
- Six months of email support for follow-up questions and implementation
Payment: 50% at contract signing · 50% upon scheduling first appointment
Deep dive and specific investment recommendations may be purchased in a separate package.
Transparent, Flat-Fee Pricing
One-time fee. No ongoing charges. No percentage of your assets.
Pikes Peak
$2,000
Net worth under $2M or income under $300K
Typical 1% AUM cost $2,000–$10,000/yr
Sunlight Peak
$4,000
Net worth $2M–$7M or income $300K–$750K
Typical 1% AUM cost$10,000–$30,000/yr
Longs Peak
$8,000
Net worth above $7M or income above $750K
Typical 1% AUM cost$70,000+/yr
Ongoing Support for Current Clients
Annual Review
Clients who have completed a plan within the last 3 years
Things change, life happens, investments go up, investments go down. Keep on track to reach your financial milestones by reviewing your plan at least once per year.
Annual reviews are conducted for an hourly fee. Pre-work and meeting fees vary based on your needs. You and Kristi will determine scope and pricing before the work begins — no surprises.
Ongoing & Impromptu Help
Current clients who have completed a plan
Combining finances with a partner? Changing jobs? Getting an inheritance? Having a baby? Life doesn’t wait for your annual review.
Pikes Peak - $350/hr
Sunlight Peak - $400/hr
Longs Peak - $450/hr
Frequently Asked Questions
Common questions about this service.
Financial advisors offer many levels of financial support to potential clients, and many times the degree of support is related to the manner in which they are paid. Advice-only advisors form 0.1% of financial advisors, and unlike other financial advisors, they do not receive commissions or manage your assets for you.
Source: https://smartasset.com/financial-advisor/advice-only-financial-advisor-services-and-fees
I work best with clients who naturally spend within their income.
Examples: first home purchase, feasibility of a second home, rental property purchase/sale, downsizing.
Yes, real estate questions can be answered as part of an overall planning package or, for current clients, on an ad-hoc hourly basis.
No, I do not recommend cryptocurrency as an asset class.
That depends on your situation, but I will always be efficient with your time while being thorough in answering your questions. You will be given the option to continue with more appointments or end our conversation at a reasonable stopping point.
Fee-only financial planners get paid by you directly; fee-based planners may also earn commissions on products they sell.
No. If you are looking for someone to help you with a spending and budgeting plan, and generally improve your relationship with money, may I suggest these resources:
Addie McHale, CFP®, Moneyfull
addie@moneyfull.com | 720-515-7805 | moneyfull.com
Denver Financial Empowerment Centers
*Referrals: there is no revenue sharing agreement and it is only provided by a courtesy – no endorsement of such.
No. If you are looking for someone to help you with a spending and budgeting plan, and generally improve your relationship with money, may I suggest these resources:
Addie McHale, CFP®, Moneyfull
addie@moneyfull.com | 720-515-7805 | moneyfull.com
Denver Financial Empowerment Centers
*Referrals: there is no revenue sharing agreement and it is only provided by a courtesy – no endorsement of such.
Yes! A fiduciary financial adviser is one that puts clients’ interests first when giving providing advisory services. My business is only selling financial advice by the hour, so there is no hidden agenda to get a commission from selling insurance products, investments that generate commissions, or fees for long-term asset management.
I am a buy-and-hold investor with annual rebalancing. If I am helping you to create a portfolio, I will not be reacting to big stock market swings with a communication to suddenly buy or sell assets. I am not a day-trader, stock-picker, or cryptocurrency expert. Days go by when I don’t even know what happened in the stock market because I am helping clients with their long-term planning, not short-term trading.
I believe in holding diversified asset classes (US big stocks, US medium, and small stocks, international investments, and bonds). I believe in using low-cost mutual funds and ETFs for easy diversification. I believe that simple is usually best. I like easy investment solutions like Target Date Funds and Asset Allocation Funds.
Ready to Get Started?
Schedule a free 20-minute phone consultation with Kristi Sullivan, CFP®. You’ll discuss your goals and see if advice-only financial planning is the right fit — no pressure, no sales pitch.