Straight answers.

It’s an educational media brand about retirement planning, published by me, Josh Rendler, a CERTIFIED FINANCIAL PLANNER® professional. It covers the tax and income decisions that come up in and around retirement, in plain English.

People in or approaching retirement who’ve already done the saving and now want to make good decisions with what they built. Most of the content assumes you’re 50 or older with a substantial portfolio, because that’s where these decisions bite.

No. Everything here is educational and general. It isn’t a recommendation for your situation, because your situation isn’t on the page. Advice takes someone who can see all of your numbers.

I’m a CFP® professional and a partner at Define Financial, a retirement planning firm, and I do this work with real families every week. The content leans on research from sources like Kitces, Vanguard, and Dimensional, plus what actually happens in planning meetings.

Nothing. The videos, the newsletter and the guides on this site are all free to watch and read. The downloadable Ultimate Retirement Guide asks for your email so I can send it, and you can leave the list in one click.

Subscribe on YouTube for the deep dives and join the weekly newsletter for the written version. The newsletter is the one that arrives without you having to remember.

Weekly. It’s short, I write it, and I read the replies.

The written figures, yes. Every tax figure in the guides on this site comes from one sourced module with a primary government source, and the build fails if one ever disagrees with that source. A figure that is merely due for its annual re-check warns loudly instead of failing, deliberately — a failed build does not take a stale number off the site, it just stops the fix from shipping. What I say in a video is different on purpose. It is what I said on the day, so a number spoken in a video is current as of that video — check anything you plan to act on against the guides, where the figures are dated and sourced.

Please do. Everything is public and free, and these decisions are usually made by more than one person anyway.

Yes, through Define Financial, which is a separate registered investment adviser. It starts with a free 45-minute Retirement Strategy Session. There’s a short form first so both sides know whether it’s worth the time.

Families 50 and up with roughly $2 million or more invested, who want ongoing planning rather than a one-time plan or investment management on its own. I work with a limited number of families each year through Define Financial.

One transparent annual fee, with a $20,000 a year minimum. What you actually pay depends on the scope and complexity of your situation. There are two ways it can be structured — a percentage of the assets under management, or a flat annual fee, which is adjusted 3% a year. Either way it is billed quarterly and typically deducted proportionally from the accounts under management. It is fee-only, so no commissions and no products sold to you. Define Financial’s full fee schedule is in its Form ADV Part 2A.

I’ll say so in the conversation rather than letting it drag on. Anything that happens after that is between you and Define Financial, under its own agreements.