Master the most important years of your financial life.
The decade before retirement and the decade after it will decide more about your financial life than the other decades combined. I help clients design and implement effective, tax-efficient retirement strategies — for one flat fee.
Flat-fee wealth management for those approaching or in retirement · Littleton, CO
These decades are different
For forty years, the job was simple: earn, save, let the market compound. The last decade of your career and the first decade of retirement are different.
Different Risk
During your earning years, a stock market drawdown is an opportunity to buy stock at low prices and reap the rewards as they recover. In retirement, a prolonged market correction with too much equity exposure could torpedo your spending potential for the rest of your life. I help you mitigate this sequence-of-returns risk with risk-adjusted, cash flow-customized investment allocations.
Different Complexity
Financial decisions in retirement are frequent and high impact. How much should you convert to Roth this year? From which accounts and in what mix should you build your income? How do you avoid the IRMAA cliff? When should you claim Social Security? I help you navigate the complex interactions between cash flow, tax, and investing by doing the math and overthinking your finances so you don’t have to.
Different Mindset
While you were earning, you took comfort in seeing your nest egg grow. Now your portfolio has to produce a paycheck. For many, this is a disorienting psychological shift. I walk alongside so you can clearly understand your options and confidently make the best decisions to reach your goals.
Simple, transparent pricing: $12,500 per year
No percentages. No tiers. No asterisks.
| Your portfolio | Typical AUM advisor* | Reflective Financial | You keep, every year |
|---|---|---|---|
| $2,000,000 | $20,000/yr | $12,500 | $7,500 |
| $3,000,000 | $27,500/yr | $12,500 | $15,000 |
| $5,000,000 | $42,500/yr | $12,500 | $30,000 |
*Comparison uses median blended AUM fees by portfolio size from Kitces Research, “How Financial Planners Actually Do Financial Planning” (2024). Individual advisor fees vary.
The flat fee difference — why it matters
Most advisors charge a fee based on a percentage of your assets. A fee like 1% sounds small until you do the math. I do things differently and charge a flat fee.
First, my fee doesn’t grow just because the market has performed well. Serving a client with $4M in assets isn’t twice as hard as serving one with $2M. Why should you pay twice as much?
Second, my fee doesn't shrink when I encourage you to pay off the mortgage, give to your kids, or fly first class. My advice isn’t clouded by the size of your portfolio and how you use your assets — which means you can trust that I’m on your side of the table, putting your interests first.
See the full pricing details →What you’re getting
- Custom investment management designed to align with your life and cash flow goals.
- Annual tax planning to lower your lifetime tax burden. Every year we’ll work through a checklist that includes Roth conversion analysis, capital gains planning, income source optimization, IRMAA planning, charitable giving tax efficiency, etc.
- Cash flow planning so you can have confidence in your spending and financial goals.
- Decision analysis for those big choices that everyone makes — when to claim Social Security — and the big choices you uniquely make — the new RV purchase or that year in France.
- Insurance and estate planning every other year to ensure that you, your loved ones, and your assets are appropriately protected.
Who I serve
A typical new client is in the decade before or after retirement, with approximately $2–5 million in investments. My office is accessible to local clients in the Denver metro area, and I serve clients across Colorado and the rest of the US virtually through video conferencing.
Reflective Financial is a good fit for someone looking for:
- Evidence-based investment management
- Deep tax planning and optimization
- A long-term, personal relationship with their advisor
- A flat-fee fiduciary they can trust
Dustin Bell, CFP®, MBA · Former CFO & COO · Former Fortune 50 strategy executive · Fiduciary, fee-only
Where to find me
My office is in Littleton, CO, near Broadway and C-470. I meet clients in person there, virtually everywhere, and occasionally on a trail.
A 60-minute conversation. No charge, no pressure. We’ll both know by the end.