Services
Three ways to bring more clarity to your retirement picture
Each service is built around a specific planning need — and each one produces a written deliverable you can keep, reference, and build on over time.
Back to homeHow these fit together
Each service addresses a different dimension of retirement planning
Some people need a broad assessment of where they stand. Others have a specific question about benefit sequencing or tax efficiency. We've structured our services to match those different needs — you can engage with one, or work across several as your planning progresses.
All three services are built on the same foundation: documented numbers, written outputs, and a consultation where we walk through what we found and what it means for your situation.
Service 01
Retirement Readiness Assessment
$1,500 USD · One-time engagement
A thorough evaluation of your current savings, projected income sources, and anticipated expenses in retirement. We model your financial picture under various scenarios — including different retirement ages, spending levels, and market conditions.
The assessment produces a written report with visual projections and a consultation to discuss results. It's particularly relevant for people within ten to fifteen years of their planned retirement who want a grounded picture of where they actually stand.
What this engagement includes
Structured intake collecting your account and benefit documentation
Scenario modeling across multiple retirement ages and spending levels
Written report with visual income and expense projections
Consultation to walk through findings and answer your questions
Service 02
Pension & Benefit Optimization
$2,000 USD · One-time engagement
An analysis of your available retirement benefits — employer pension plans, defined contribution accounts, and government programs. We evaluate timing, distribution methods, and coordination strategies to help you understand how each source works and how they interact.
Deliverables include a comparison matrix of your available options and a recommended sequencing plan. This service is particularly suited for people approaching or recently entering retirement who have multiple benefit sources and want clarity on how to use them together.
What this engagement includes
Review of pension, defined contribution, and government benefit documentation
Analysis of timing and distribution options across all benefit sources
Comparison matrix showing options side by side with tradeoffs noted
Recommended benefit sequencing plan with rationale explained
Consultation to walk through findings and discuss the options
Service 03
Retirement Income Tax Strategy
$1,800 USD / year · Annual engagement
Advisory focused on managing the tax implications of retirement income — including distribution timing from tax-deferred and tax-advantaged accounts, capital gains management, and coordination with government benefit thresholds. We develop a multi-year withdrawal strategy designed for tax efficiency.
The engagement includes annual updates to the strategy as tax regulations and personal circumstances change. This is structured as an ongoing relationship rather than a one-time report — because the landscape around retirement income taxation shifts regularly and the strategy needs to reflect current conditions.
What this engagement includes
Review of account types, current tax situation, and retirement income sources
Multi-year withdrawal strategy covering distribution timing and account sequencing
Capital gains coordination and benefit threshold management analysis
Written strategy document updated annually to reflect regulatory and personal changes
Annual consultation to review the updated strategy and discuss any changes
Choosing a starting point
Not sure which service fits your situation?
Start with the Readiness Assessment if…
You're within ten to fifteen years of retirement and haven't done a systematic analysis of your position
You want to understand your projected picture across different scenarios before focusing on any specific aspect
You're not sure what you don't know yet
The Benefit Optimization makes sense if…
You have multiple benefit sources — a pension, one or more retirement accounts, and government programs — and want to understand how to coordinate them
You're approaching retirement or recently entered it and are working through timing decisions about when to begin claiming each source
Tax Strategy fits well if…
You want an ongoing advisory relationship that addresses the tax dimension of your withdrawal strategy each year
You're concerned about bracket management, benefit clawbacks, or capital gains coordination over a multi-year horizon
You want your strategy to reflect current regulations rather than a one-time assessment
If you're uncertain, the best first step is a conversation. We can discuss your situation and help you identify what kind of analysis would be most useful.
Common ground
What every Assessly engagement has in common
Written output
Every engagement produces a document you keep — not just a verbal summary from a meeting.
Documented inputs
Analysis built from your actual account statements and benefit figures, not assumed averages.
A real consultation
Time dedicated to walking through the findings and answering your specific questions in plain language.
Transparent pricing
No embedded fees, no percentage-of-assets charges. The price is what's stated.
Common questions
Questions we often hear before people decide
How long does an engagement typically take?
From initial intake to delivery of the written report and consultation, most one-time engagements take three to five weeks. The timeline depends on how quickly documentation can be gathered and whether follow-up questions arise during analysis. Annual engagements under the Tax Strategy service move faster in subsequent years since we already have the prior year's strategy as a baseline.
Can I work with more than one service?
Yes. Some clients begin with the Readiness Assessment to get a full picture of their position, and then engage one or both of the other services to go deeper on benefit optimization or tax strategy. We can discuss how to sequence these in a way that makes sense for where you are in your planning process.
What documentation will I need to provide?
The specifics depend on the service. For the Readiness Assessment, we typically ask for recent retirement account statements, Social Security or government pension benefit estimates, a sense of current and projected spending, and recent tax returns. For the benefit optimization and tax strategy services, we go deeper on specific account types and their tax treatment. We provide a detailed intake list at the start of each engagement.
What happens after I receive the report?
We schedule a dedicated consultation to walk through the findings together. This isn't a brief call — it's time to go through what we found, what it means for your situation, and what the tradeoffs look like for the different options available to you. After the consultation, the report is yours to keep and reference as your planning continues.
Ready to take a closer look at your retirement picture?
Start with a conversation. We'll discuss your situation honestly and help you figure out which service — if any — would be most useful at this point in your planning.
Get in touch