Independent Retirement Advisor & Planning

Just clear answers.

Action Point was born out of a simple conviction: retirement planning shouldn't feel intimidating. It’s just a straight-up conversation about your money—whether you’re planning your own retirement or building a 401(k) plan for your employees. We skip the fluff and focus on what actually moves the needle: lowering tax bills, cutting hidden fees, and turning savings into a steady paycheck.

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Clear math to turn your accounts into a reliable monthly paycheck

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Built on simple math.

Simple Math Over Market Guessing

We focus on the variables you can actually control. Tax drag, account sequencing, and fee reduction. Rather than trying to predict market headlines.

Retirement Tax Sequencing

Having money in a 401(k) is only half the battle; getting it out without getting hammered by the IRS is the other. We sequence your accounts, plan around Medicare IRMAA cliffs, and execute multi-year Roth conversions so you keep more of what you earned.

Capped Advisory Fees

Our advisory fee is strictly capped at a maximum of 0.95% annually and scales down for larger portfolios. No hidden incentives, no product commissions.

The No Jargon Guarantee

Financial strategy shouldn't sound like a foreign language. If we can't explain a strategy on one page, we don't use it.

Let’s be completely honest about why I started Action Point Retirement.

Most financial advice is overcomplicated on purpose. For years, I’ve watched smart, hardworking people get buried under 50-page PDFs, endless jargon, and strategies so convoluted that nobody could actually explain how their money was working.

When you’re 30, a confusing plan just feels like background noise. But when you're closing in on retirement—or trying to set up a real 401(k) for your team—deliberate complexity gets expensive fast. If a strategy is too complicated to explain on a single sheet of paper, it’s usually hiding high fees and low accountability.

I built Action Point Retirement to give people a straightforward alternative. No slick pitch decks, no hidden fees, and zero interest in making simple math sound like rocket science just so someone can collect a check.

Retirement isn't a mystery. It’s just an equation. When you strip away the noise and corporate fluff, it all comes back to one simple goal, making the math to work.

Straight talk. Simple math. That’s the whole playbook.

Action Point Insights

Straightforward advice to help you build a confident retirement.

A 401(k) without real advice isn't a benefit. It's just software.

Most 401(k) plans are treated like software: pick a vendor, enable auto-enrollment, hand employees a login link, and call it a day. The problem is that software doesn't answer real financial questions. So when employees get confused about how much to save, how to invest, or whether to pick Roth vs. Pre-Tax, they don't call the 1-800 line on the back of a brochure. They ask HR. When a company 401(k) is treated like a black box, employees get disengaged, HR gets stuck playing d

The Kitchen Junk Drawer Guide to Your 401(k)

Everyone has that drawer in their house. The one stuffed with loose batteries, three mystery keys, an expired coupon, and a charging cable for a phone you haven't owned in five years. You know there’s useful stuff in there, but if you need a working battery right now, good luck finding it without making a mess. That is almost identically how most people handle their retirement savings. By the time you reach your 50s or 60s, you’ve usually accumulated a financial junk drawer:

The "One More Year" Trap

You reached your savings goal. Your numbers add up. Your pension is locked in. But when it comes time to hand in your notice, a quiet voice whispers: "Just one more year." It’s the most common trap in retirement planning. Work provides routine, identity, and a predictable paycheck. Stepping away feels risky, so we move the goalposts. We convince ourselves that another 12 months of work will give us "true" security. Here’s the reality: Once your math works, retirement stops be

No sales pitch. Just clear answers.

Grab a slot on the calendar for a quick 20 minute intro chat. Bring your latest 401(k) statement or the first two pages of your most recent tax return. We'll look at your fee drag, tax bracket headroom, and transition options together and give you a straight answer on where you stand.