Done working by 60? The next 10 years
decide it.
You've saved for years and still can't say whether you could stop at 60. I build that answer for families in their 40s and 50s, with the tax moves that reach your money before 59½.
Ninety seconds on what I actually do
“401(k) poor” is a real thing.
You've worked hard to build this. So why doesn't it feel clear?
Because most of what you've built sits behind a door that doesn't open until 59½. The retirement accounts keep growing, but you can't touch them. The house is worth plenty on paper. Meanwhile the paycheck holding it all together starts to feel like a pair of golden handcuffs.
You're not behind. Your money is just in the wrong places for the life you want, so the questions pile up, and each one changes the others:
- iWhen could I actually stop?Not the age on a brochure. The year your numbers support, and what has to be true for it to hold.
- iiWhich accounts do I fill now, and which do I draw from first?Pre-tax, Roth, taxable, cash. The order matters more than most people expect, and it changes as your income does.
- iiiHow do I get to my money before 59½ without penalties?There are ways. Most of them only work if you set them up years ahead of time.
- ivAnd what about college, landing right in the middle of it?Tuition shows up in the same decade as everything else, and how you pay for it moves the other answers.
The DREAM process
Five steps that connect your money to the life you're building it for, in order, with the taxes handled along the way.
Define your dream
What does the next chapter actually look like? We start here, before any numbers.
Reveal your reality
Where you are today, financially and in the habits driving the decisions. An honest picture is the foundation.
Explore your options
The trade-offs, the scenarios, and what each one costs, laid out plainly.
Align your strategy
A plan that connects the money to the life, with the tax moves built in from the start.
Maintain momentum
We keep it current as life changes: a promotion, a move, a kid off to college, a parent who needs help.
Meet Chris Jennings, CFP®
I've spent the last ten years working closely with families at exactly this stage, where the decisions get more complex and the consequences more meaningful. First at Vanguard, where I sat with a few hundred families, and now on my own. Before that I started in insurance, and I learned fast what I didn't want to be, which is someone pushing products.
What I learned along the way is that reaching financial success doesn't automatically bring clarity. Sometimes having more makes the decisions harder. That's why I built this firm. Most advisors focus on growing your assets and measure success by portfolio returns. I measure it by how clearly and confidently you can step into the next chapter of your life. Putting the tax puzzle together is the part of the job I love, so I do it myself instead of handing it off.
My wife and I have two young girls at home, so I'm navigating many of the same decisions you are: building for tomorrow while making the most of today.
The life you're building this for.
For me, it's my wife and our two girls. The time we spend together now matters just as much as the future we're building.
Your plan should make room for both: the life you want someday and the moments you don't want to miss today.
Let's talk about your dream
A second look at your taxes and savings.
Send over a few documents you already have: last year's tax return, your investment statements, and recent paystubs for you and your spouse. We'll walk through them together on a 45-minute call: where your savings are going, how they're taxed, and what to ask your CPA before next April. Three quick questions first so we both know it's a fit.
- Where your income lands in the brackets, and what that means for Roth conversions
- Where your savings are going, and how each account is taxed
- Questions worth bringing to your CPA before next April
This is an educational review, not tax preparation or tax advice. If it's not the right fit yet, I'll say so and point you to The Dream Compass newsletter instead.
You've earned more than uncertainty.
Without clarity, even great wealth can lead to hesitation instead of freedom.
Your future stays undefined.
Without a clear plan, the year you could stop stays a vague hope instead of a date on a calendar.
Decisions stay disconnected.
Taxes, income, investments, and college decided one at a time, without talking to each other, is a quiet and expensive mistake.
Uncertainty compounds.
Every year without an answer is a year of hesitation, even with the resources to live fully. And the moves that make money usable before 59½ only work if you start early.
The moves only work before 59½. Schedule your DREAM Consultation →
Testimonials shown are placeholders and will be replaced with compliance-approved client statements, or removed, before this page goes live.
Before you book
Transparent cost. Always.
| Assets under management | Fee rate |
|---|---|
| $0–$1,000,000 | 1.00% |
| $1,000,000–$3,000,000 | 0.90% |
| $3,000,000–$5,000,000 | 0.80% |
| $5,000,000–$10,000,000 | 0.65% |
| $10,000,000+ | 0.30% |
Not to get the plan. If you'd like me to manage the investments as well, we'll talk through what that looks like on the call.
Not for me. Bring last year's return and your statements and I'll give you a straight second opinion. Sometimes the answer is that your advisor is doing fine, and I'll tell you that.
No. I do the tax planning, the moves over the next ten years that decide what you'll owe, and I work alongside your CPA on the return itself.
No. I'm in Scottsdale and I work with families across the country.
Schedule your DREAM Consultation
A short call about where you are, where you want to go, and whether I can help you get there. If I can help, I'll tell you. If I can't, I'll let you know.
Schedule your DREAM ConsultationGeneral question? Email me at [email protected].
Thursday, Sep 17
Fantum guide
Chris, this is the site we built for you.
We built it from your firm's bio page and your three answers. Every section is here for a reason. We have built hundreds of web pages for advisors, and this is the structure we've found that gets calls booked.
The numbered guide walks you through it. The whole walkthrough takes about 3 minutes.
Fantum guide
Fantum guide
We'll add your official Form ADV here
This link will go to the real document from your firm. We pull it from your compliance team before the site goes live, so nothing here is made up.