The Retirement Transition
Turning a Lifetime of Savings into a Lifetime of Income.
Whether you are ten years away, on the very doorstep of retirement, or already enjoying your next chapter, we provide the compassionate strategy and technical precision you need to stay comfortably retired through a confident, tax-efficient withdrawal strategy.
The Transition Window
Most of our clients reach out to us when they realize that what got them *to* retirement
won't necessarily get them *through* it.
All of our clients have one thing in common... they want to know if they will BE OKAY.
There is no magic age to begin a retirement planning exercise,
however we do find that most people fall within one of five planning windows:
The Strategic Window (5-10 years away)
This is the time to audit your assumptions, stress-test your projections, and ensure your foundation is solid.
The Decumulation Transition (~5 years away)
This is where the focus shifts from growth to execution. You need a math-backed strategy to turn your various accounts into a steady, reliable paycheck.
The Retirement Launch (0-2 years away)
The final countdown. We focus on the granular logistics of the transition, finalizing your income start dates and ensuring a seamless move from a paycheck to your portfolio.
The Early Exit (FIRE or COAST FIRE)
You aren’t waiting for 65. Whether you are aiming for total independence or "coasting" toward retirement, we provide the rigorous stress-testing and withdrawal logic required to sustain a multi-decade journey.
The Sustainability Audit (Already Retired)
For those already in retirement, we focus on optimization—ensuring your current withdrawal strategy is tax-efficient and structured to last through every market cycle.
Designing Your Path to Lasting Confidence
In this phase of life, you need more than just a spreadsheet—you need a vision for your future that is anchored in reality. While the math is our foundation, the goal is your peace of mind. The Retirement Transition is a 90-day focused immersion designed to replace "what-ifs" with a concrete path forward. We move through a structured process consisting of one discovery call and two dedicated planning sessions tailored to the life you've worked so hard to build:
Session 1: The Strategy & Sequence
We dive into the technical "how-to" of your income. We review the analysis of your assets and pensions, design the optimal tax-efficient drawdown sequence, and stress-test various "what-if" scenarios. Following this session, we open your digital "Planning Sandbox"—giving you interactive access to your initial projections so you can see your strategy coming to life.
Session 2: The Safety Net & Security
We focus on the "what-ifs" that keep you up at night. We build contingency plans for the unexpected—ensuring security for a surviving spouse, what happens if spending changes, if there's a stock market crash and discussing long-term care needs as you ago.
Clarity That Stays With You
By the end of our project together, the complexity of the transition is replaced by the quiet confidence of a strategy that is built to last. You will receive your unique, customized and non-software generated Retirement Plan alongside a digital copy of the accompanying financial projections.
From here, you lead the way:
Option 1: The Advice Access Model
You transition to our "Planner On-Call" model. For a flat monthly fee of $25:
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Ongoing Portal Access: You retain full, continuous use of your Planworth Client Portal to track your progress and keep your roadmap "live."
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Hourly Planning Updates: As an Advice Access client, you have the exclusive ability to re-engage our team for plan refreshes or specific questions on your retirement plan at our standard hourly fee. This is ideal for those who want to keep their existing plan updated as life shifts.
Option 2: Full Engagement Refresh
If you choose not to sign up for Advice Access, your engagement with Modern Cents and your access to the Planworth portal will conclude upon delivery of your plan.
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Starting from Scratch: If your circumstances change in the future and you wish to work with us again, we will begin a brand-new Retirement Planning Engagement from scratch at the then-current foundation fee. This ensures that we are building your new strategy on the most up-to-date data and current market realities.
You’ve done the hard work of saving. Let’s build the path to help you stay comfortably retired.
The Investment in your Future
Our retirement-focused financial planning project is designed to provide maximum value and technical depth during your transition phase.
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Retirement Foundation Fee: Starting from $3,500 for individuals, $4,500 for couples*
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Additional planning complexites (corporations, cross border clients, rental properties, etc.) will be assessed a higher fee depending on individual circumstances and quoted after a consultation call
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Initial Engagement Duration: 90 days
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Ongoing Support (Advice Access): $25/month (Required for portal access and hourly update eligibility)
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Future Updates (Advice Access clients Only): Billed at our hourly planning rate (starting at $250/hour)
*50% due to begin the engagement; 50% upon completion. If the project extends beyond 90 days, an additional monthly fee will be charged until the engagement is completed.
Is This the Right Path for You?
This project-based service is ideal if:
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You want a high-level professional roadmap but feel comfortable managing the ongoing implementation yourself.
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You are nearing retirement and need a "second opinion" or a technical drawdown strategy.
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You prefer a limited engagement with the flexibility to stay connected only if you choose to.
Please note: We cannot work with residents of the United States or Quebec at this time.
Ready to plan your next chapter?