Helping you make
the retirement decisions
you've been putting off.

Independent financial planning for people who want clarity and confidence in a plan they understand.

Book a Meeting
Book a Meeting 
Who i serve

People who want to understand their financial future,
not outsource it.

Most people I work with have done a lot of the right things. They’ve saved, invested,
and made thoughtful decisions over time.

But when they think about retirement, questions start surfacing:

  • When to take Social Security

  • How to turn investments into reliable income

  • Whether they’ve done enough to protect their spouse

  • If they’re on track for the retirement they want

They know they need help, but they want to trust that the advice really puts their interests first.

They’re looking for someone who will slow things down, explain what actually matters, and help them feel genuinely confident in their own decisions.

Each project has one flat fee, no ongoing commitment or fee, no asset minimums.

You hire me for a specific engagement, we do focused work together, and you leave with clarity and a plan you truly understand. And if new questions come up, you’ve got a trusted professional in your back pocket.

If that sounds like what you’ve been looking for, you’re in the right place.

Two people examining and discussing charts and graphs at a wooden desk with a laptop, notebooks, and a cup of coffee. 
my approach

Independent.
Education-forward.
Honest and transparent.

I’m not tied to any firm, product, or commission structure, so every recommendation
is guided by one principle:

What’s truly best for you, not just what’s good enough.

I take the time to explain every tradeoff, and I’ll be straightforward when I tell you whether something fits or not — even when that means losing a commission opportunity.

Every engagement is customized to your situation, so I’ll learn what matters most to you, assess where the gaps are, then we’ll focus on what deserves your attention.

The goal isn’t for you to rely on me. It’s for you to leave more confident in your own decisions, in your own plan.

Contact me 
Services

Trade uncertainty for clarity, and take action.

Every engagement with a client is a project with a defined start and finish, where you pay a flat fee upfront so you know what you’re paying, and you know what you’re paying for, before we start.

  • No asset minimums.

  • No management fees, no advisor fees, no annual fees.

  • No ongoing commitment.

  • No hidden agenda.

  • An honest look at where your finances stand today, assessing how they align with the retirement you want, and the decisions that deserve your attention next.

    Starting at $395 - Pricing dependent on complexity of your situation, discussed clearly upfront.

  • Many Americans leave money on the table by claiming Social Security at the wrong time, or worse, they create financial stress down the road.

    I’ll help you decide when to claim, with clear insights into the risks you’re navigating.

    Standard pricing of $495

  • Required Minimum Distributions (RMD) catch people off guard every year.

    Let’s make sure yours aren’t creating unnecessary taxes or problems you could have avoided.

    Standard pricing of $495

  • Already have an annuity? Or want a second opinion on one you’re considering? I’ll break down where it shines, where it falls short, and assess if it’s helping or hurting your income strategy.

    No sales pitch, guaranteed in writing.

    Pricing starts at $200 per policy evaluated, with custom pricing available.

Not sure what service is for you?

I create custom projects for each client to suit their needs. Please get in touch to discuss your needs.

Jay with his wife and young son on vacation on a beach, with palm trees, lounge chairs, and the ocean in the background, during sunset. 
About

I knew it could be done differently.

I’ve spent years working inside large financial services organizations — including as a financial advisor at one of the largest registered investment advisors (RIAs), managing over $200 million in client relationships — and kept seeing the same thing: people facing important financial decisions without fully understanding their options.

In most financial services firms, comprehensive discussions of conflicts of interest, incentive structures, and client education get passed over. I wanted to build something where they didn’t.

So I started Pocket Retirement Planning, a practice built around 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.

I’m an independent insurance professional licensed in over 20 states, and I specialize in retirement income planning, annuities, and life insurance. Throughout my 20-year career I’ve worked in client service roles — not sales. That distinction matters, and it runs through everything I do for my clients.

Retirement Income Certified Professional (RICP®) Candidate

I hope you decide to explore working with my business, starting with a free 30-minute conversation.

Let’s get started.

If you're ready to meet, I offer a free 30-minute conversation so you can decide
if my approach resonates with you.

Book an appointment

Let’s begin the conversation.

Not sure where to start? I’m here to help.

Submit the form to the right if you’d like me to reach out to you.