Most people who delay or cancel retirement didn't get unlucky. They never had a real plan. We help you build one, or pressure-test the one you've got, so it gets you where you actually want to go.
How much are you paying in fees you've never actually seen?
When did your advisor last call you about anything?
Still getting a paper statement in the mail every month?
Will your returns turn into money you can actually spend?
Who shows up to collect when you finally withdraw?
in unneeded fees is what we've found baked into plans we've reviewed, sitting there between now and retirement. Not all plans are created equal. When it comes to getting money out for your family someday, the design details decide everything.
“What stands out most is Forge's professionalism and responsiveness. My broker always takes the time to explain details in clear, digestible pieces, which has made the whole thing so much less overwhelming.”
“They took the time to listen and help us explore what would work best. Within two months we'd saved enough to cover a month's premium. I highly recommend an honest look at your healthcare.”
“Clearwater took the burden off my shoulders. I'm paying $12,000 less a year for a health plan. Under the old pricing I always felt I was taking care of one thing and hurting another.”
You're running a business. We get it. But if the business eats every hour and you never plan for your family's future, what was the point? Busy is the reason most people give. It's also the reason most plans never get built.
Is your plan built for your retirement or your advisor's? We've reviewed strategies carrying an extra $500,000 in fees between now and retirement. That's a whole house you could've bought instead. Ouch.
Money parked in a savings account isn't safe, it's shrinking. Every day it sits there, inflation quietly chips away at what it can buy. Safe and sound, and losing ground.
Think the money in your retirement account is all yours? Not quite. When you pull it out, a 20 to 30% partner shows up to collect. Most people never plan around that bill until it lands.
401(k)s and IRAs belong in the plan. They shouldn't be the whole plan. There are accounts you can tap in years, not decades, and most owners never hear about them.
Uncle Sam doesn't have to be your biggest partner. Plans can be designed to pull money out with far less going to taxes. We'll walk you through the options for your situation.
The 2008 crash was brutal for most people. Not for everyone. The ones with liquid assets and buying power intact didn't just survive it, they bought in cheap. We build for the down years, not just the up ones.
Want to build wealth today and still be set for retirement? You can aim for both. It takes more discipline, but most things worth doing do. We help you keep the war chest growing while you decide.
Account balance is a nice number to look at. It just isn't the number you retire on. What counts is what actually reaches your hands after the fees you never saw and the taxes nobody planned around. Two plans can show the same balance today and put wildly different amounts on your table at 65. The difference isn't luck. It's design. Want to know which one you're holding?
Let's look at what you've got, or build something from scratch. Tell us where you want to end up and we'll map the way there. No jargon, no pressure.
See your fit (3 min)Having a plan and having a good plan aren't the same thing. We've reviewed strategies with $500,000 in extra fees buried inside, built more for the advisor than the owner. We'll give your current setup an honest read and tell you straight whether it's serving you or just sitting there.
It can, but busy is exactly how most people end up delaying retirement. A business will take all your time and money if you let it. We make this simple enough to fit around running your company, because the plan that never gets built helps nobody.
No. We're not your accountant, attorney, or financial advisor, and we won't pretend to be. We help you understand the design choices in front of you and bring in the right professionals where it counts. The decisions stay yours.
Often, yes. A lot of small businesses and solopreneurs are overpaying for underperforming plans and have no idea. Better structure and the right setup can change the outcome a lot. We'll show you what your current plan is really costing you.
A conversation. You tell us where you want to end up, we look at what you have now, and we map the gap between the two. No commitment to start, and no pressure after.
The content on this page reflects our opinions and analysis and does not constitute professional advice. Any information about specific plans, carriers, or providers is based on publicly available information and is for general informational purposes only. For accurate, up-to-date details about plans, benefits, eligibility, or coverage terms, refer to the official documentation or contact the provider directly. We make no representations as to the completeness or accuracy of this information for your situation. Decisions based on this content are at your own risk.
