Who We Serve/Pre-Retirees
Five to ten years out

The last decade before retirement is the one that decides it

Peak earnings, peak tax rates, and a short window to fix what's fixable. Planning built by a CFP® professional who is also an Enrolled Agent — so the tax math is done in-house, not guessed at.

Book a free intro call → See the fee schedule

You've saved well. Nobody has told you whether it's enough.

Most people arrive with the same three questions: can I retire when I want to, will the money last, and how much goes to taxes. These are the highest-leverage years you have left; once you retire, most of that leverage is gone.

Sound Familiar
If you're thinking any of this
"I think we have enough, but I've never had anyone check the math."
"If I retire at 62, what do I do about health insurance until Medicare?"
"Everything is in pre-tax accounts. Is that a problem later?"
"Should I be taking risk off the table, or is that a mistake this early?"
What We Handle
From "probably okay" to a dated plan
No. 1
The honest retirement date
A cash-flow projection on your real numbers that says when you can retire, at what lifestyle, and what has to change.
No. 2
Tax planning in your peak years
The right accounts in the right order, deferred comp and bonus timing, done by an Enrolled Agent year-round.
No. 3
Mapping the Roth conversion window
The low-bracket years between your last paycheck and your first RMD, identified now and built toward.
No. 4
Consolidating thirty years of accounts
Old 401(k)s, IRAs, HSAs, and stray annuities inventoried and consolidated, with beneficiaries and titling fixed.
No. 5
Health coverage before 65
COBRA, marketplace coverage, and ACA credits modeled together with Roth conversions, since both run on the income you choose to show.
No. 6
De-risking without derailing
A glide path and a cash reserve so an early downturn is an inconvenience rather than a plan change.

One fee covers the whole relationship

All four are included in the advisory fee; return preparation is quoted separately as a flat fee. Nothing here pays a commission.

No. 01
Retirement Planning
No. 02
Tax Planning
No. 03
Investment Management
No. 04
Estate & Legacy

Blended advisory fee from 1.50% to 0.75%, no account minimum. See the full fee schedule →

Common Questions
Fair questions, straight answers
How far out should I start planning?
Five to ten years before your target date. Inside two years we still have plenty to work with; we work faster.
Do I actually have enough?
That depends on your spending far more than your balance. We model it and tell you plainly, including when the answer is yes at a different spending level or two years later.
Do I have to move my accounts to work with you?
Not necessarily. Ongoing management is the usual arrangement, but if you want the plan built and intend to execute it yourself, an hourly or flat-fee engagement can do that.
Next Step

Find out if the date you have in mind works

A free 30-minute call. Bring your target retirement date and a rough spending number — we'll tell you what we'd need to look at.

Book a free intro call →

Not sure yet? Take the 60-second fit quiz  ·  Comparing advisors? Read the eight questions to ask

Golden Acre LLC dba Golden Acre Wealth Management is an investment adviser registered with the Arizona Corporation Commission (CRD #337930). Registration does not imply a certain level of skill or training. All fees are negotiable and are described fully in the firm's Form ADV Part 2A, available upon request or at adviserinfo.sec.gov. Projections and planning scenarios are hypothetical, rely on assumptions that will not match actual results, and are not guarantees of future outcomes. Tax rules, contribution limits, and health-coverage subsidies change; examples on this page are general in nature and depend on individual circumstances. Golden Acre Wealth Management does not provide legal services. This page is for informational purposes only and does not constitute investment, tax, or legal advice. Past performance is not indicative of future results. CFP® and CERTIFIED FINANCIAL PLANNER® are certification marks owned by the Certified Financial Planner Board of Standards, Inc., awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.