What does this cost?

The call and the analysis are free. If we both decide to move into planning, there's nothing to pay upfront. Fees for the one-time plan and for private client levels are discussed openly during the planning appointments, before you commit to anything and you can see them anytime at kedrec.com.

What if I already have an advisor?

That's common, and it's fine. A lot of people use the analysis as a second opinion before a decision they can't undo. We're not going to tell you to fire anyone.

What if the analysis doesn't find anything?

Then you've spent thirty minutes to find out your plan is holding up, which is worth knowing and worth having in writing. It happens. We'd rather tell you that than manufacture a problem.

What if I decide not to move forward?

Then you don't. You can stop at any stage, for any reason, without explaining it. Nothing about the analysis requires you to move an account or sign anything, which is exactly why it's safe to start.

What if I'm not sure I'm ready?

Two different things get called "not ready," and only one of them is.

If you don't yet know what you want retirement to look like, you're right... We can't help you decide that, and the analysis would have nothing to measure against. Keep working through the material, come to the Tuesday Q&A, and come back when you have specific questions.

If you know roughly what you want and you're just nervous about the conversation, that's not unreadiness. That's most people, thirty seconds before they book.

What happens if I just do nothing?

Depends entirely on where you are. Five years out with everything in a 401(k) is a different conversation than two years out, or already retired and drawing income. We're not going to invent a deadline. But the people who tell us they wish they'd come sooner all have the same thing in common: they were in a window and didn't know it was a window.

Are you going to sell me an annuity?

Not on this call. Nothing is recommended, sold, or signed in thirty minutes.

Kedrec, LLC is a registered investment advisor and gets paid a flat fee for planning. Our affiliate, Kedrec Legacy, LLC, is licensed for insurance, and if an annuity turns out to be the right tool for part of your plan, that's a commission-based product, and we'll tell you so in writing at the time. It's one tool that you may or may not want in your toolbox. It doesn't suit everyone. We are fiduciaries and are required to do what is right for you. To do our job, we feel that we must be licensed and understand all of the potential tools that could be in your toolbox. If we ever recommend one, you'll see exactly why, what it costs, and what the alternatives were.

How will you know whether my current plan is any good?

We'll show you the standard, not just the verdict. We look at how your income holds up under bad sequencing, what your tax bill looks like in the years you can still control it, whether your protection matches what you'd actually lose, and where the plan depends on something you can't control.

Does my spouse need to be there?

Yes, if they're part of the decision. Not because we need an audience, but because the conversation is about what the two of you want, and second-hand versions of it don't survive the drive home.

How do I schedule?

Use the button below. Pick a time, and you'll get a confirmation. We will call you at the scheduled time.