Human-first retirement planning
Retirement planning to help the future start today.
For more than two decades, we've helped hundreds of people nationwide retire well, and confidently live the retirement they dreamed about.
For more than two decades, we've helped hundreds of people nationwide retire well, and confidently live the retirement they dreamed about.
Good people who have worked hard for their money deserve advice that's genuinely in their best interest. We stay deliberately personal, and deeply rigorous.
Years helping people retire well, nationwide
Fee-only fiduciary standard, all the time
A typical client's portfolio
In-depth portfolio reviews, every year
So we show you. Not a chart that spikes and scares you, a steady line that simply keeps going.
Seven phases that carry you from where you are today to the retirement you've always pictured. Scroll, and follow the current downstream.
A thorough look at where you stand, your assets, liabilities, and current trajectory, measured against your goals to find the gaps and the opportunities.
We coordinate your income sources, investments, Social Security, pensions, into a sustainable strategy with a clear projection through retirement and room for the unexpected.
An investment strategy built around your risk tolerance and time horizon, explained in plain terms so you're comfortable with every recommendation.
Withdrawal sequencing, asset location, and timing to help keep more of what you've earned, so Uncle Sam isn't your biggest beneficiary.
We review your coverage for gaps and redundancies, protecting your assets and income against life's uncertainties, without unnecessary expense.
We help your legacy reflect your wishes, reviewing documents and beneficiaries and streamlining the transfer of assets to the people and causes that matter.
Once your plan is in motion, we meet twice a year, stay available in between, and adjust as life changes, so you live the retirement you've always dreamed of.
We position your assets by time horizon and your comfort with volatility, and refill them as time passes.
Safe, accessible assets that cover near-term income, so market swings never touch the money you need soon.
Low riskA measured mix that bridges the middle years, balancing steady growth with the income you'll draw next.
Moderate riskGrowth-oriented investments with the most time to compound, fueling the long arc of your retirement.
Higher growthNot a static map. The Waze™ of financial planning, real-time updates, alerts to the pitfalls ahead, and accurate projections that make the road predictable.
At least two in-depth reviews every year, weekly educational content that's never a sales pitch, and real-time navigation as markets and life change.
Teach your grandchildren to fish. Take the trip you've put off. Give back to what you love. We handle the plan, so you can live the life those numbers are really for.
Successful professionals and executives nearing or in retirement who'd rather delegate the complexity, in Ann Arbor and nationwide. We're honest about fit from the very first call.
We built the firm we'd want to hire, blending real expertise with genuine empathy. It's a privilege to serve clients like you, every single day.
PSA fee-only fiduciary leading every plan with rigor and a genuine interest in the people behind the numbers, upholding the fiduciary standard 100% of the time.
MSHolds the licenses to help clients with annuities and insurance when it genuinely fits, so your whole financial picture lives under one trusted roof.
MPKeeps the experience seamless behind the scenes, making sure every commitment we make to a client is followed through with care.
PSShares the Shope story and the insight that helps more people approach retirement informed, calm, and confident.
JIOften the friendly first point of contact, making sure every client always feels looked after, like part of the family.
We treat people the way we'd want our own family treated, with honesty, warmth, and respect.
We do what we say we'll do. Kept commitments, year after year, are the foundation of trust.
Fee-only fiduciary 100% of the time, no commissions, no product quotas, no divided loyalty.
We make the complex clear, so your decisions feel obvious and your future feels calm.
Retirement planning, investment management, investment-related tax planning, estate guidance, insurance planning, and cash-flow planning. The goal is to help you spend your time doing what you want, when you want, with whom you want. Whenever a financial question comes along, you've got a partner ready to help.
We excel at serving successful professionals and executives nearing or in retirement who prefer to delegate their financial planning. Many of our best-fit clients have built a portfolio of at least $1 million and would simply rather spend their time where it matters most than manage the complexity themselves.
Comprehensive planning is the foundation. We begin with several meetings to deeply understand your situation, then conduct at least two annual reviews and share weekly educational content through emails, videos, and social media. Our advice is objective and conflict-free.
We charge a fee based on the value of the investments we manage, debited directly from your accounts. Patrick is a fee-only fiduciary, never paid through commissions or kickbacks. When a client has an existing annuity or genuine insurance need, Molly holds the licenses to help, so everything can be serviced by one firm you trust.
Yes on both. Patrick upholds the fiduciary standard as a fee-only advisor 100% of the time, a legal obligation to act in your best interest. And while we're based in Ann Arbor, Michigan, we work with people nationwide, happy to meet virtually or however is most convenient for you.
It starts with a simple, no-pressure call, to get to know each other and to see what a financial future with Shope looks like.
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