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Smart & Proven

Financial Planning Strategies for Retirees

Ever wondered how to save on your retirement tax bill
and maximize the amount of income you can generate
from your portfolio? You’re in the right place.

Smart & Proven

Financial Planning Strategies for Retirees

Ever wondered how to
save on your retirement tax bill and maximize the amount of income
you can generate from your portfolio?
You’re in the right place.

Start Here

Motion Retirement (Mini Logo White)

Why I Started Motion Retirement
(And What You'll Learn Here)

Why I Started Motion Retirement
(And What You'll Learn Here)

What hidden retirement tax trap
can we solve for this week?

What hidden retirement tax trap can we solve for
this week?

Mobile Motion Retirement (Blog)

👋🏼 I'm Josh

A CERTIFIED FINANCIAL PLANNER® and Partner at an award-winning retirement firm.After helping over 500 retirees navigate their most important financial decisions, I noticed something: the best advice was getting lost in jargon and product pitches. That's why I started Motion Retirement.My goal is simple: turn complex retirement strategies into clear, actionable education that actually helps.I specialize in tax optimization, Social Security planning, charitable giving, and withdrawal strategies—the stuff that can make or break your retirement years.

👋🏼 I'm Josh

About

A CERTIFIED FINANCIAL PLANNER® and Partner at an award-winning retirement firm.After helping over 500 retirees navigate their most important financial decisions, I noticed something: the best advice was getting lost in jargon and product pitches. That's why I started Motion Retirement.My goal is simple: turn complex retirement strategies into clear, actionable education that actually helps.I specialize in tax optimization, Social Security planning, charitable giving, and withdrawal strategies—the stuff that can make or break your retirement years.

Deep Dives

Retirement is too important for surface-level advice. That’s why our Deep Dives go beyond just the quick tips and headlines.

Deep Dives

Retirement is too important for surface-level advice. That’s why our Deep Dives go beyond just the quick tips and headlines.

See more

Motion Retirement (Blog)

Blog

Proven Strategies. No fluff.

Blog

Proven Strategies. No fluff.

Mobile Motion Retirement (Blog)

See more

FAQ

What exactly is Motion Retirement?
+
Motion Retirement is where I share the clearest, most practical lessons I've learned as a CFP®. After helping hundreds of families retire with confidence, I wanted a place to give away that knowledge—without any product pitches.
Who's this really for?
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If you're in or approaching retirement and want to avoid costly mistakes, you'll feel right at home here. Our community is made up of people who want to understand their options, cut through the noise, and make smarter decisions.
Are you giving me financial advice here?
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Nope. Everything here is strictly educational. I'll show you strategies, research, and real examples—but the decisions are always yours, ideally made with your own advisors.
Why should I listen to you?
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Fair question. I've spent my career helping families prepare for retirement and have seen firsthand what works—and what doesn't. Every strategy I share is backed by research from places like Vanguard, Dimensional, and Kitces, plus real-world experience.
How do I keep up without missing anything?
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Subscribe to my YouTube channel @MotionRetirement. That's where the flagship content lives. From there, you can follow along on Substack, Spotify, or Instagram if you prefer reading or listening.
Can I work with you one-on-one?
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Motion Retirement is purely educational. That said, I do work directly with clients through my retirement planning firm. If you'd like to explore that, check the contact page and we'll point you in the right direction.

Contact

Have a question? Want to learn more?

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Interested in
Working Together?

You deserve the best financial partner for your unique needs.

If you're ready to have an expert team handle retirement planning for you—here's what that looks like.

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We're Retirement & Tax Planning
Experts Who Do Our Best Work With:

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Aged 50+

Retirement investors age 50+
who are in or near retirement.

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$2 Million+

Diligent savers with investments over
$2 million (excluding real estate).

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Expert Guidance

People who value expert help, because retirement is too important.

By narrowing our focus, we're able to go incredibly deep—building comprehensive strategies around
income, taxes, investments, and legacy planning that generalist advisors simply can't match.If this sounds like you, we might be a perfect fit!

The next step is simple:
learn about our process and see if we're the right fit.You'll watch a short video from Taylor Schulte—the founder of Define Financial and host of the Stay Wealthy Retirement Podcast—where he'll explain how we work and what to expect.From there, you'll answer a few quick questions to help us understand your situation. Once we're aligned, you'll schedule a free 45-minute Retirement Strategy Session directly with me over Zoom.No pressure, no sales pitch:
just an honest conversation about your retirement

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Questions You Might Have

Will I work directly with Josh?
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Yes! After you complete the process page and qualify, your direct next step is a 1-on-1, 45-minute Retirement Strategy Session with me over Zoom. If we move forward together, I'll be the lead planner on your team—guiding you through onboarding and building your comprehensive retirement strategy.

You'll also have access to our full team of CFP® professionals and client service specialists at Define, which means you're never dependent on just one person.
What kind of clients do you work best with?
+
Beyond the numbers (age 50+, $2M+ in investable assets), we work with people who are ready to hire a team of experts to take over the heavy lifting of comprehensive financial planning.

If you're looking for someone to just manage your investments, give you a one-time plan, or provide occasional advice on an hourly basis—we're likely not the right fit at this time. But if you want ongoing, proactive guidance across income, taxes, investments, and legacy planning, this might be a perfect fit.
Can you give me an overview of your new client process?
+
We start with a comprehensive onboarding process to ensure nothing slips through the cracks and your plan is built on a solid foundation. This is where we gather all the key information, clarify your goals, and launch your initial retirement plan.

From there, we move into our ongoing service model. Taxes touch everything in retirement, so we begin with a proactive tax strategy, then build your retirement income plan (modeling your 'retirement paycheck'), address legacy planning, optimize your investments, and always end with clear action items and next steps.

We’ll formally meet each spring and fall, and we’re proactively in touch between meetings to keep your plan aligned as life changes.
How are your fees structured?
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Our fee is generally structured as a blended percentage of the assets we manage:

— 0.95% on the first $2M
— 0.70% from $2M–$5M
— 0.30% from $5M–$10M
— Custom fee above $10M

Our minimum annual fee is $20,000, and we have a stated maximum to ensure fair pricing. This all-inclusive fee covers everything. There are no commissions, no hidden extra costs.

Your complimentary Retirement Strategy Session will help you measure these benefits and decide if we're the right fit.
What happens after I click 'Learn About Our Process'?
+
You'll be taken to Define Financial's process page, where you'll watch a short video from Taylor Schulte explaining how we work.

From there, you'll complete a brief questionnaire (takes about 2-3 minutes) where you'll share where you’re at in your retirement planning journey.

If you're looking for comprehensive, ongoing planning (not just hourly advice or one-time projects), you'll schedule your free 45-minute Retirement Strategy Session with me via my online calendar.

No commitments, no pressure—just a conversation to see if we’re the right partner for your retirement.

Not Quite Ready?

No problem! Subscribe to keep learning with free Deep Dives on YouTube and practical strategies in our weekly newsletter—
no product pitches, just education.

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Smart retirement strategies, no product pitches

Copyright © 2025 · Josh Rendler obo Motion Retirement

Educational Disclaimer

Last updated: 09/18/2025

This website is for informational and entertainment purposes only. It is in no way a solicitation or offer to sell securities. This site is not engaged in rendering legal, financial, or other professional services.While the site attempts to ensure that the content is timely and accurate, it makes no representations or warranties with respect to the accuracy or completeness of the content. This site specifically disclaims any responsibility for any liability, loss, risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this site.Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Past performance may not be indicative of future results.Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment management fee, the incurrence of which would have the effect of decreasing historical performance results.Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.Diversification does not guarantee a profit nor is it guaranteed to protect assets

Privacy Policy

Last updated: 09/18/2025

Motion Retirement operates at MotionRetirement.com (the “Site”). This page informs you of our policies regarding the collection, use, and disclosure of Personal Information we receive from users of the Site.We use your Personal Information only for providing and improving the Site. By using the Site, you agree to the collection and use of information in accordance with this policy.INFORMATION COLLECTION AND USE
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The security of your Personal Information is important to us, but remember that no method of transmission over the internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.CHANGES TO THIS PRIVACY POLICY
This Privacy Policy is effective as of (add date) and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy. If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us or by placing a prominent notice on our website.CONTACT US
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