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Financial Planning for FIRE

FIRE isn't about deprivation. It's about optionality.

Most FIRE content focuses on cutting expenses to the bone. We focus on designing a life worth living — and building the financial structure to support it on your terms.

What We Focus On

The stuff that actually moves the needle.

Spreadsheets are a starting point. Planning is what fills the gaps.

Optionality Over Deprivation

FIRE isn't about suffering through a 50% savings rate. It's about creating options. Coast FIRE, Barista FIRE, Lean FIRE — we help you find the version that fits your actual life.

Tax-Efficient Withdrawal Strategy

Roth conversion ladders, capital gains harvesting, ACA subsidy optimization. The order you pull from your accounts matters more than most people realize.

Coasting Strategies

You might not need to grind for 20 more years. A coast strategy lets you downshift — part-time work, a passion project, a lower-stress role — and still hit your number. But the math has to be right, and most spreadsheets miss the nuance.

Sequence of Returns Risk

The first 5 years of early retirement can make or break your plan. We stress-test against bad markets, not just average returns.

Healthcare Before Medicare

This is the FIRE killer nobody talks about enough. A family of four paying full-price health insurance can burn $30K+ per year before they see a doctor. ACA subsidy optimization, MAGI management, and gap-year planning aren’t optional — they’re the difference between FIRE working and FIRE failing.

Geographic Arbitrage Planning

State income tax, cost of living, property tax differences, and international relocation. Where you live changes everything about your FIRE number. We model the scenarios so you pick the right one.

How We Work

How we work with FIRE followers.

No generic retirement projections. No one-size-fits-all asset allocation. Here's what an engagement actually looks like.

We run Monte Carlo simulations with real-world assumptions

We build Roth conversion strategies across your accumulation and drawdown phases

We coordinate tax strategy with your withdrawal sequence

We help you define "enough" — then build the plan to get there

Flat fee means we don't benefit from keeping your money invested longer

Case Study

$2.8M. 7 extra years of runway.

Tax-efficient withdrawals and geographic arbitrage — the math that changes everything.

Read the full case study →

Questions From the FIRE Community

Do I really need a financial advisor if I'm pursuing FIRE?
You've done the hard part — building the savings rate and the discipline. But the withdrawal phase is where the real complexity lives. Roth conversion ladders, ACA subsidy cliffs, sequence of returns risk, and tax-efficient drawdown across multiple account types. A spreadsheet can model the basics. A planner catches the $50K mistakes hiding in the details.
Won't your fee eat into my FIRE number?
Our flat fee is based on complexity, not assets. And for most FIRE clients, the tax savings alone — from Roth conversion optimization, capital gains harvesting, and ACA subsidy planning — more than cover the cost in Year 1. We don't take a percentage of your portfolio. We charge a known, fixed amount.
I'm not fully FIRE yet. Is it too early to work with you?
The best time to start planning is before you leave your job — not after. The decisions you make in the 2-3 years before FIRE (Roth conversions, asset location, mega backdoor contributions, healthcare planning) have outsized impact on how long your money lasts. Waiting until you've already quit limits your options.
How do you handle the healthcare gap before Medicare?
We model your income to optimize ACA subsidies — sometimes saving $15K-$20K per year in premiums alone. This means coordinating your Roth conversions, capital gains harvesting, and withdrawal sequence so your Modified Adjusted Gross Income stays in the subsidy range. It's one of the highest-ROI planning moves for early retirees.
Do you understand the different types of FIRE?
Lean FIRE, Fat FIRE, Coast FIRE, Barista FIRE — we've worked with all of them. The planning is different for someone targeting $40K/year in expenses versus $150K/year. We don't push one version. We model yours, stress-test it, and make sure the math actually works across a range of market conditions.
What makes you different from other fee-only advisors?
Most fee-only advisors still charge AUM — a percentage of your assets. That means their incentive is to keep your money invested with them, not to help you spend it wisely. We charge a flat fee. We also bring financial therapy training, which matters when you're wrestling with the emotional side of leaving a career, redefining your identity, and trusting your plan.

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The W-2 Escape Plan

Runway math, health insurance, entity setup, retirement accounts, and income replacement — 13 questions that separate a calculated leap from an expensive mistake. Free PDF.

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Ready to stop guessing and start planning your exit?

Book a 15-minute intro call. No pitch. No pressure. Just a conversation about whether the math actually works.

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