We design retirement plans and portfolios that are prepared for market downturns, not derailed by them.
Wealth management for retirees and those approaching retirement.
CFA Charterholder
CFP® Professional
Fee-Only
Flat Fee
What We Do
Financial Planning & Investment Management
Our highly specialized team provides ongoing financial planning and investment management for people who are retired or approaching retirement. We build a plan around your life, manage your portfolio alongside it, and stay with you through every curveball. Regular meetings, proactive adjustments, and real answers to the hard questions.
We do not provide hourly services or one-time financial plans. We also do not offer advice-only services, meaning financial planning without also managing your investments. We only provide ongoing planning and investment management, where the expectation is a long-term relationship.
Who We Serve
Is this a fit?
We do our best work with people who share a few common characteristics:
- ✓You’re approaching retirement, or you’ve recently retired.
- ✓You’ve accumulated $1 million or more in investable assets through years of disciplined saving.
- ✓You want to delegate investment management to a professional.
- ✓You value an advisor's expertise because you understand how important your retirement plan is.
- ✓You’d rather pay a logical flat fee than a percentage of your portfolio.
- ✓You prefer a proven system for retirement income rather than generic rules of thumb or a murky “probability of success” score.
What Clients Get
Full-Service retirement wealth management
Planning
- ✓Retirement income strategy: Using our proven Summit Retirement System™, we help turn your investments into a reliable paycheck, coordinating withdrawals with Social Security, pensions, and other sources.
- ✓Lifetime tax strategy: Roth conversions, tax-efficient withdrawal sequencing, legacy and philanthropic planning.
- ✓Social Security optimization: Claiming analysis for individuals and couples in the context of your plan.
- ✓Insurance & risk management: Reviewing your exposure and current coverage, with referral to trusted insurance partners in our network.
- ✓Estate planning: Ensuring your financial plan is aligned with your estate plan.
Investments
- ✓Institutional-grade investment expertise: Portfolio management by a CFA Charterholder.
- ✓Evidence-based: Strategies built on Nobel Prize-winning research. Diversified, low-cost. No stock picking. No market timing.
- ✓Tax-smart implementation: Asset location across account types, tax-loss harvesting, tax-efficient ETF's.
- ✓Ongoing monitoring: Cash deployment, withdrawals, and strategic rebalancing to manage risk.
- ✓Accounts held at Schwab or Altruist: Independent custodians that safeguard your assets separately from our firm.
Support
- ✓Spring and Fall Strategy meetings: Comprehensive plan updates, tax projections, and goal tracking.
- ✓On-demand support between meetings: Phone, email, virtual, or in-person. When a question or situation comes up, we're here to help.
- ✓Professional network coordination: We work with your CPA, attorney, and insurance broker. Don’t have the right team? We’ll make introductions from our vetted network.
- ✓Real-time financial dashboard: Your complete picture through RightCapital: net worth, task monitoring, secure file transfer - accessible anytime.
How We Work Together
Our Process
A quick breakdown of how we work with clients. The onboarding process usually takes 8-12 weeks – we believe it’s better for things to be done right than done fast!
1
Intro Meeting
45 minutes · Complimentary
A conversation to see if there’s a fit, either over Zoom or at one of our Dallas area offices. We’ll learn what’s on your mind, what you’re looking for in an advisor, and whether our expertise aligns with your situation. If for any reason we’re not the best fit, we’ll point you in the right direction.
After the meeting, we'll email your Retirement Roadmap™ to help you understand exactly how we can help maximize your retirement income, reduce your lifetime tax bill, and invest smarter.
2
Sign agreement, upload information
Onboarding
If you choose to move forward as a client, we'll both sign an engagement agreement and get to work. You'll upload important documents like investment statements and tax returns, and we'll get you onboarded to our planning dashboard.
3
Onboarding meetings
Virtual or in the Dallas area
Over the course of several weeks, we'll meet 1-2 times to review your financial situation and make sure we have a clear understanding of your goals, values, vision, and concerns. This information will guide the development of your initial plan. We’ll also start the process of consolidating your investment accounts at Schwab or Altruist.
4
Retirement plan review
Virtual or in the Dallas area
We'll review your initial plan, including your retirement income strategy and proactive tax planning opportunities. We'll also walk you through our specific recommendations for your investments to achieve your goals, and will leave plenty of time for Q&A. We want to make sure you have total clarity on the path forward. This meeting typically lasts about 90 minutes, with a summary of the discussion points and action items provided afterward.
5
Implementation
Putting your plan into action
We'll get to work implementing your plan: Reallocating your investment accounts, optimizing asset location, and getting pieces in place for your "retirement paychecks." This will also be the opportunity to take action on any current-year tax strategies like tax-loss harvesting, Roth conversions, tax-efficient charitable giving, etc.
∞
Ongoing Meetings + Value Adds
- ✓ January Value Add: Tax Summary Letter
- ✓ Spring Strategy Meeting: Retirement income plan refresh, annual distribution and tax plan, preliminary Roth conversion strategy, and prior-year contribution review
- ✓ May Value Add: Tax Return Review
- ✓ Summer: Check-in, as needed
- ✓ Fall Strategy Meeting: Portfolio review, year-end tax planning, finalize Roth conversion strategy, employee benefits review (if still employed) and relevant tax law changes
∞
Tax Strategy Implementation (Nov/Dec)
- ✓ Roth conversions
- ✓ Tax-loss and gain harvesting
- ✓ Year-end tax planning and projections
- ✓ Required Minimum Distributions
- ✓ Charitable planning: QCD's, DAF contributions, Appreciated stock gifting, etc.
★ ★ ★ ★ ★
“We have been working with 7 Saturdays Financial since 2024 and cannot say enough good things about Allen and his team. Their unique guardrails approach and detailed planning gives us the confidence that our long term retirement goals will be solid and achievable. Would highly recommend connecting with Allen!”
— Win B., client since 2024
Disclosure: 7 Saturdays Financial has not provided any compensation for the testimonials shown. The testimonials shown have been selected from among all client feedback. To our knowledge, no other conflicts of interest exist regarding these testimonials. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success. View all reviews at Wealthtender.
Ready to see what a real retirement plan looks like?
The first step is a no-pressure introductory call. If there’s a potential fit, we’ll prepare your personalized Retirement Roadmap™ to help you understand exactly how we can help maximize your retirement income, reduce your lifetime tax bill, and invest smarter.
Client assets custodied at:
We’re proud members of:
