Know whether you're going to be okay.

Then know exactly why.

MVP Money Moves is a retirement transition practice. We work with people approaching or living in retirement — couples and singles — and we show our work.

Run the Five Rules

No email required. Nothing saved. Nothing sent to us.

No pressure. No judgement. No product pitch. Just clarity.

The problem

Most financial advice is confident and vague at the same time.

You get a projection, a pie chart, and a reassuring conversation — and no real way to check any of it. When the question is whether your money will last the rest of your life, that isn't good enough.

The arithmetic is simple. The decisions around it are not.

We separate those two things, work the first in the open, and are honest about where the second begins.

The method

Five rules. Four you can run yourself.

The same five rules, worked in the same order, for every client. Nothing proprietary, nothing hidden.

01 Free Cash Flow Income exceeds expenses
02 Savings Rate Pay yourself first
03 Savings Escalation Raises go to savings, not lifestyle
04 Portfolio Design Evidence, not forecasts
05 Perpetuity Test The point where the money pays you

Four of these are arithmetic. You can work them yourself, on one page, without us — and our worksheet does exactly that, free.

Rule 4 is different. It's where arithmetic ends and judgment begins, and no calculator settles it. That's the part you hire an advisor for, and the part most firms are vaguest about.

Who this is for

People whose plan was built for one stage of life, and now needs rebuilding for the next.

Retirement Widowhood Divorce Inheritance Concentrated wealth Family transfer
A particular focus
Retiring on your own
Nearly all retirement planning quietly assumes a couple — a survivor benefit, a second check, a built-in caregiver. When those assumptions don't hold, the math changes, and most planning doesn't.
Next step

Start with the numbers.

Run the worksheet first. If it raises a question worth a conversation, that's what the call is for — twenty minutes, no preparation, nothing to send us beforehand.

Twenty minutes · No preparation · Nothing to send beforehand