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Project-Based Financial Planning

Focused planning designed to address your specific concerns

What We Offer

A detailed analysis and clear roadmap for a single, transparent fee.

Western Reserve Capital Management provides retirement planning services to families in Hudson, Ohio and nationwide. We understand that retirement planning involves important decisions that deserve expert guidance. Our project-based planning services provide you with detailed analysis, personalized recommendations, and a clear roadmap, all for a single, transparent fee.

Whether you’re beginning to think about retirement, seeking a second opinion on your current plan, or already retired and evaluating your financial sustainability, we offer focused planning designed to address your specific concerns. Fees vary based on the complexity of your financial situation and the scope of analysis required.

Are you a fit?

Is Project-Based Planning Right for You?

This May Be a Good Fit If You:

  • Want professional guidance but prefer to maintain control of your investments
  • Are a confident, hands-on investor seeking expert validation of your strategy
  • Want a second opinion on your existing retirement plan
  • Need help with a specific retirement decision or transition
  • Are comfortable implementing recommendations independently or with your existing advisor
  • Prefer paying for advice once rather than ongoing management fees

This May Not Be the Best Fit If You:

  • Need ongoing investment management and portfolio monitoring
  • Want continuous guidance as your life circumstances change
  • Prefer having an advisor handle implementation for you
  • Need regular plan updates and adjustments
  • Would benefit from a dedicated advisor relationship
Offerings

Our Project-Based Financial Services

$2,500 – $2,850

Core Financial Planning

Ideal for individuals in the early stages of considering retirement. This service helps you assess your current financial situation, set realistic retirement goals, and create a plan designed to help you work toward retirement readiness.

  • Determining if you’re on track for retirement
  • Setting realistic retirement income goals
  • Understanding how much you need to save
  • Basic tax-efficient savings strategies
  • Initial investment portfolio review
$2,950 – $4,000

Retirement Roadmap

Designed for those seriously evaluating their retirement and seeking a second opinion. We conduct an in-depth analysis of your current financial situation to determine the feasibility of your retirement plan and investment portfolio.
  • Retirement income probability analysis
  • Social Security claiming strategy review
  • Tax-efficient withdrawal planning
  • Healthcare coverage before Medicare
  • Pension decision analysis (lump sum vs. annuity)
  • Portfolio stress testing under market volatility
  • Required Minimum Distribution (RMD) planning
$2,750 – $3,350

Navigating Retirement

Tailored for those already retired and concerned about the sustainability of their retirement plan or the adequacy of their portfolio. We analyze your current financial status, review your income sources, and suggest adjustments designed to help support your retirement income needs.
  • Portfolio sustainability and longevity risk
  • Medicare enrollment and supplement options
  • Tax-efficient distribution strategies
  • Managing Required Minimum Distributions
  • Long-term care planning considerations
  • Estate planning coordination
  • Roth conversion analysis
  • Supporting adult children while maintaining security
  • Charitable giving strategies
What You Receive

The deliverables you take away from our service

Every project includes comprehensive deliverables designed to give you clarity and confidence in your retirement planning decisions.

Written Financial Plan

A detailed, personalized document outlining your current financial position and recommended strategies tailored to your goals.

Net Worth Analysis

Complete snapshot of your assets, liabilities, and overall financial health to establish a clear baseline.

Cash Flow Analysis

Detailed income and expense analysis showing how money will flow throughout your retirement years.

Retirement Probability Analysis

Monte Carlo simulations showing the likelihood of your retirement plan’s success under various market scenarios.

Tax Planning Analysis

Estimated tax liability throughout retirement with strategies to minimize your tax burden over time.

Social Security Analysis

Review of claiming strategies for your lifetime Social Security benefits based on your situation.

Healthcare Cost Estimates

Review of claiming strategies for your lifetime Social Security benefits based on your situation

RMD Projections

Required Minimum Distribution forecasts for tax-deferred accounts to help you plan for future tax obligations.

Investment Fee Analysis

Transparent comparison of your current investment costs versus recommended alternatives when applicable.

Action Plan with Timeline

Prioritized next steps with specific deadlines to help you implement recommendations systematically.

Meeting Summary

Written summary of our discussions, decisions made, and clarifications to key planning points.

Specific Recommendations

Clear, actionable guidance on portfolio adjustments, account changes, and planning strategies relevant to your situation.

Our Planning Process

A structured, collaborative approach designed to understand your unique situation and deliver actionable guidance.
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01
Consultation
We begin with a complimentary introductory call to understand your goals, concerns, and determine which planning service best fits your needs. If we’re a good fit, we’ll provide a clear proposal and engagement agreement.
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Data Gathering
You’ll provide financial documents including account statements, tax returns, Social Security statements, and other relevant information. We use secure methods to protect your privacy and ensure confidentiality.
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03
Analysis & Plan Development
Our team conducts comprehensive analysis of your financial situation, runs projections, and develops personalized recommendations tailored to your specific circumstances and goals.
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04
Plan Presentation
We meet to review your completed financial plan, discuss our findings and recommendations in detail, and answer any questions. This is a collaborative discussion to ensure you understand and are comfortable with the guidance provided.
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Delivery & Implementation Support
You receive your complete written plan with all deliverables and a prioritized action plan. We provide guidance on implementation steps and are available for follow-up questions during the implementation period.
FAQs

Questions About Our Project-Based Financial Services

From initial consultation to final plan delivery, the process typically takes 3-4 weeks. This timeline depends on how quickly you can provide requested documents and your availability for meetings.

You’ll have 30 days of complimentary phone and email support to ask follow-up questions about your recommendations or get guidance on implementation. After that period, you’re free to implement the plan on your own, work with your existing advisors, or inquire about our ongoing wealth management services.
No. We are fee-only fiduciaries, which means we do not sell products, earn commissions, or receive compensation from third parties. Our only compensation comes from the planning fee you pay, ensuring our recommendations are made solely in your best interest.
Your written plan is a snapshot based on your circumstances at the time of planning. If you experience major life changes (job loss, inheritance, health issues, market changes, etc.), we recommend updating your plan. You can schedule a new project-based engagement or inquire about ongoing wealth management for continuous support.
Yes. We serve clients nationwide in all 50 states. All meetings can be conducted virtually via video conference, making geographic location no barrier to working together.
We provide detailed, actionable recommendations and an implementation timeline as part of your plan. During the 30-day support period, we’re available to answer questions and provide guidance as you implement. However, project-based planning does not include hands-on implementation assistance. If you prefer to have us handle implementation and ongoing management, ask about our wealth management services.
During your complimentary consultation, we’ll discuss your goals, concerns, timeline to retirement, and the complexity of your financial situation. Based on this conversation, we’ll recommend the service that best addresses your needs and provide a clear proposal with defined deliverables and pricing.
We use bank-level encryption and secure document portals to protect your financial information. All data is transmitted and stored using industry-standard security protocols, and we never share your information with third parties without your explicit consent.

Our project-based plans range from $2,500 to $4,000, depending on which service fits your situation and how complex your finances are. You receive a written proposal with a fixed price before any work begins.

Compare

Project-Based Planning vs. Ongoing Wealth Management

These project-based services are designed for individuals who prefer to implement financial plans independently or with their existing advisors. You receive comprehensive analysis, detailed recommendations, and a clear action plan, but you maintain control of implementation and ongoing management. 

If you’re seeking ongoing investment management, continuous portfolio oversight, regular plan updates, and dedicated advisor support as your circumstances change, please inquire about our comprehensive wealth management services. We’d be happy to discuss which approach best fits your needs during your complimentary consultation.

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