Helping you make
the retirement decisions
you've been putting off.
Independent financial planning for people who want to feel empowered with a plan they understand.
WHO I SERVEPeople ready to feel confident in a real strategy.
One flat fee
No asset minimums
No long-term commitment
My clients found their version of the basics sooner or later: spend less than you make, save and invest consistently, avoid the big mistakes.
But as retirement approached, conventional wisdom stopped feeling satisfying.
Social Security.
Taxes and RMDs.
Withdrawal strategies.
Interconnected areas where one decision affects the others.
I look at your full picture and tell you exactly what’s working, what’s not, and what to do next. Professional insights personalized to you and your values, not generic advice.
I design my services around the outcomes that matter most. I serve the decisions that keep more of your dollars in your pocket, doing what they’re supposed to do.
MY APPROACHIndependent.
Education-forward.
Reliable & transparent.
I’m not tied to a single company, product, or sales quota, so every recommendation I make is guided by one principle:
Putting your interests first, always, and never settling for good enough.
To build your confidence and your trust in what we’re doing, I explain the tradeoffs to every decision, and I’ll be straightforward when I suggest that something fits or not
— even when that means losing a commission opportunity.
The goal isn’t for you to rely on me, paying 1% every year. It’s for you to feel excess value beyond what you paid for, leaving confident in your decisions, ready to execute on the strategy we decided on.
SERVICESTrade uncertainty for clarity, and take action.
Every project has a defined start and finish. You pay a flat fee upfront so you know what you’re paying, you know what you’re paying for, and then we get started.
No asset minimum to work with me.
No long-term commitment.
No advisor fees, no annual fees, no 1% fee every year.
No hidden agenda.
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Are you actually on track for retirement? It’s time you finally got an honest answer.
You’ll come away with confidence in where you’re at, what your biggest risks are, and what you can do about them in clear next steps.
This isn’t a comprehensive financial plan, and it isn’t a product pitch. It’s a straight answer to the questions actually keeping you up at night.
Designed for those within 15 years of retiring.
$600 one-time, flat fee
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A clear look at where your finances stand today, assessing how they align with the retirement you want, and the decisions that deserve your attention next.
Designed for those mid-career.
Starting at $400
(Pricing dependent on the complexity of your situation, discussed clearly upfront.) -
Are you struggling to make sense of an annuity you own?
I have the technical expertise to break it down in plain terms, describe what it’s designed for, and help you assess how it fits into your overall retirement plan.
This education-forward review is intended to help you discover the options you have so you can decide what happens next.
Free of charge, and free from a pressured sales pitch.
Not sure what you need?
The projects I create for clients are always tailored to suit their needs. Please get in touch to discuss what you have in mind.
ABOUTI knew it could be done differently.
I’m Jay Uhlenhoff, an independent retirement strategist, and I spent a decade of my career working inside large financial organizations seeing the same thing: clients being advised on important financial decisions, without understanding the inherent tradeoffs or the incentives of the person in front of them.
In most financial services firms, comprehensive discussions of conflicts of interest, compensation structures, and client education get passed over. I wanted to build something where they didn’t.
So I built Pocket Retirement Planning with the customer’s interests first, supported by education and integrity, where the goal is for you to fully understand every decision in front of you, not wonder whether a better option existed. Throughout my 20-year career I’ve worked in client service roles — not sales. That directly alters the approach I take and it runs through everything I do for my clients.
I’m an independent insurance professional licensed in over 20 states, and I specialize in retirement income planning (with annuity expertise), life insurance, and financial education.
Retirement Income Certified Professional (RICP®) Candidate
I hope you decide to explore working with me.
Start with a free 30-minute conversation.
Let’s get started.
I offer a free 30-minute call so you can decide
if my approach resonates with you and we’re a good fit to work together.
Let’s begin the conversation.
Not sure where to start? I’m here to help.
Submit this contact form and I’ll reach out to you within 24 hours.