Foresight builds retirement plans for people within fifteen years of the finish line — flat annual fees, fiduciary duty in writing, and zero commissions on anything, ever.
§ First year not valuable? Fire us in writing, get half the fee back.
Every plan starts with one chart: the year you can actually stop, at your real spending — stress-tested against bad decades, not average ones.
Your retire-date chart, spending plan, Social Security timing, healthcare bridge before 65, and the stress tests. Rebuilt every January, adjusted any month life changes.
The core, everyoneWhich account to draw first, Roth conversion windows, and RMD planning — coordinated with your CPA. Sequencing errors cost retirees more than bad funds do.
Included, not an add-onLow-cost index implementation of the plan, rebalanced on drift, not on drama. We hold nothing that pays us — no funds of ours, no commissions from anyone.
Optional, same flat feeclients last year were told they don't need us yet at the free review — and got a one-page DIY checklist instead.
We take about 20 new households a year. The honest "not yet" is why the waitlist exists.
"Our old advisor charged 1% and called twice a year to say 'stay the course.' Foresight charges less in dollars and told us the month we could retire. We beat it by a year."
Clients · retired 2025, ages 61 & 63Because 1% of $1.5M is $15,000/year for the same work we do for $4,800 — and the conflict is worse than the cost: a percentage advisor loses money when you pay off your house or buy the lake cabin. We don't care where your money serves you best. That's the point.
Ninety minutes: your numbers in, the retire-date chart out. You leave with the chart and three prioritized actions whether or not you hire us. About a quarter of reviews end with "you don't need us yet."
Never. Assets stay at Schwab or Fidelity in your name; we have trading authority only, and you see everything. An advisor asking to custody your money himself is your cue to leave.
The plan assumes it might — that's what the bad-decade stress tests and the two-year cash bridge are for. If your plan only works in average markets, it isn't a plan; it's a hope.
Flat-fee fiduciary: $4,800/yr, in writing. Free retirement review — keep the chart either way.
Retirement plans, tax sequencing, no commissions. Book the free 90-minute review.
1 in 4 reviews end with "you don't need us yet." Worth finding out which you are.
The retire-date chart and prioritized checklist, as promised.
Their portfolio's AUM fee vs. flat fee over 20 years. Compounding cuts both ways.
Case story with real numbers and the Roth window that did it.
A year as a client, month by month. Sets service expectations.
Factual capacity note + the engagement letter to read at leisure.
Your numbers in, your retire-date out — stress-tested, printed, yours.
Book the Free Review§ Flat $4,800/year · fiduciary in writing · half-back guarantee, year one