Work together
When reading about it is not quite enough.
A plan built for your actual numbers is a different thing from an article about the idea. If you want that, here’s how it starts.
See if it’s a fitA few minutes. No cost, and no obligation at the end of it.
The work is all public
- 50deep dives on YouTube
- 19K+subscribers on my channel
- 5K+newsletter subscribers
- 1.4M+views on YouTube
What working together looks like
A free Retirement Strategy Session
A 45-minute call on Zoom, just the two of us. I’ll ask what matters most to you, and answer the questions you came in with.
If it’s a fit, we begin
Paperwork, then the planning work starts. Tax strategy, income plan, legacy planning and the investment portfolio, built as one thing instead of four.
We stay with you
Formal reviews, ongoing monitoring, and someone who picks up the phone when something changes — instead of waiting for you to notice.
The kind of thinking this unlocks
Most of the work comes down to a handful of moves. Here are three of them — illustrative, not advice.
What it costs
One transparent annual fee covers everything: proactive tax planning, retirement income design, estate and insurance coordination, and investment management built for retirement rather than adapted to it.
The minimum is $20,000 a year. What you actually pay depends on the scope and complexity of your situation, and it is agreed in writing before anything starts.
There are two ways it can be structured — a percentage of the assets we manage, or a flat annual fee. Flat fees are adjusted 3% a year. Either way, fees are billed quarterly and typically deducted proportionally from the accounts we manage, so there is nothing to pay separately.
We do not earn commissions, we do not sell financial products, and we take no incentives from anyone else. Define Financial’s full fee schedule is in its Form ADV Part 2A (opens in a new tab).
More on how this works — minimums, what the first call covers, and where Motion ends and Define Financial begins — is on the frequently asked questions.
Who this works for
Before you book, two things worth knowing
This is built for people 50 or older with $2 million or more in investable assets, who would rather hand the whole thing to a team than run it themselves.
Both parts matter. The $2 million is where a fee of this size starts to make sense for you rather than just for us. And the people we do our best work for are not looking for a second opinion on a spreadsheet — they want tax planning, income design, estate coordination and investment management handled together, by people who do it every day.
If that is not where you are yet, the guide and the videos are free and always will be, and there is nothing on this site you need to pay for to use them.
Prefer the full-page form? Open it on its own page (opens in a new tab).
Questions people ask first
Will I actually work with you?
Yes. The strategy session is one-on-one with me, and I stay the lead planner. The wider Define Financial team works behind me.
How are fees structured?
One transparent annual fee, with a $20,000 a year minimum. What you actually pay depends on the scope and complexity of your situation. There are two ways it can be structured — a percentage of the assets we manage, or a flat annual fee, which is adjusted 3% a year. Either way it is billed quarterly and typically deducted proportionally from the accounts we manage. It is fee-only, so no commissions. Define Financial’s full fee schedule is in its Form ADV Part 2A.
What happens right after I fill out the form?
It’s a few minutes of questions. If it looks like a fit you go straight to my calendar and pick a time. Nothing is committed at that point.
What if I’m not a fit?
I’ll tell you plainly, in the conversation, rather than letting it drag on. Anything that happens after that is between you and Define Financial, under its own agreements and disclosures.
Is this the same thing as Motion Retirement?
No, and the difference matters. Motion Retirement is educational content. The advisory relationship, if there is one, is with Define Financial, a separate registered investment adviser.
Not quite ready?
That’s completely fine, and it’s the right answer for most people most of the time. Read for a while first.
Start with the topic guides, the articles, or the videos.
The guide
Get the Ultimate Retirement Guide
All the important retirement numbers in one place
Advisory services are offered through Define Financial, a separate registered investment adviser. Josh Rendler is a partner there. Nothing on this page is a guarantee of any particular result, and no outcome is promised or implied. Read the full disclosures.