Our Basic Planning Subscription
By: Conor O’Malley, CRPCTM
Before you worry about optimizing investments or navigating tax brackets, there’s a much simpler—and more powerful—question to answer:
“What are you actually working toward?”
That’s where the Basic Planning subscription from RetireUS comes in.
Designed for individuals who want to organize their finances and create clarity around retirement, this subscription provides the tools, structure, and fiduciary guidance to take control of your future—without the cost or complexity of traditional wealth management.
Whether you’re in the peak of your career or entering your 60s and finally ready to get serious, Basic Planning lays the foundation for confident decision-making.
What’s Included in Basic Planning?
The Basic Planning tier is built around two core frameworks for long-term success:
✅ Resilient Retirement®
A forward-looking structure that helps you withstand market volatility, optimize workplace benefits, and create sustainable income you can count on in retirement.
✅ Cash Flow Hierarchy®
Our flagship method for prioritizing how every dollar should be saved—based on your goals, timelines, and risk tolerance. We show you where your next dollar should go, and why. Each element is supported by CFP®-led guidance and actionable reports you can reference (and revise) for years to come.
Goal Planning Stage: Resilient Retirement®
Retirement isn’t just a milestone—it’s a lifestyle. And if you can define it, we can help you build it.
In the Goal Planning stage, you’ll work one-on-one with a CERTIFIED FINANCIAL PLANNER® professional to:
- Clarify and Prioritize Your Goals: From retiring early to relocating, funding education, or buying a second home—we help you organize what matters most.
- Assign Timelines and Probabilities: It’s not enough to say, “I’d like to retire at 62.” We run the numbers to determine how realistic that is, based on current savings, contributions, and account performance.
- Calculate Your Savings Targets: Using advanced planning tools and conservative assumptions, we pinpoint how much you need to save—and by when—to reach each goal.
- Align Your Investments: Many people have scattered accounts and no real direction. We help consolidate and align your portfolio around your specific goals and risk preferences.
Cash Flow Planning Stage: Cash Flow Hierarchy®
Knowing your goals is just the beginning. The next step is funding them—intentionally, consistently, and with flexibility as life evolves.
In this stage, we help you:
- Analyze Your Household Budget: We’ll identify excess cash flow and redirect it toward your highest-priority goals in a way that feels structured, not restrictive.
- Create a Systematic Savings Plan: Together, we’ll develop a savings strategy that blends employer-sponsored plans (like a 401(k)) with personal contributions (Roth IRA, HSA, brokerage) in the most tax-efficient way.
- Conduct an Insurance Audit: Gaps in coverage—life, disability, long-term care—can quietly undermine years of progress. We review what you have and flag any shortfalls.
The result? A living, breathing roadmap for your money. One that evolves with you—not just a spreadsheet you forget in a drawer.
Who Is Basic Planning For?
This subscription is ideal for:
- Individuals in their 40s–60s looking to organize their finances
- DIY investors seeking guidance without full asset management
- People nearing retirement who want to know if they’re truly on track
- Busy professionals who need structure, accountability, and simplicity
Take the First Step Toward Financial Clarity
Getting started is easy. No account minimums. No product sales. No commission pressure. Just independent, fiduciary planning—built around you.
Start with a Free Financial Checkpoint or Schedule a Call with a Independent Advisor
Because financial peace of mind doesn’t start with products—it starts with a plan.
This article is provided by McAdam LLC dba RetireUS for informational purposes only. Investing involves the risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results and may have been impacted by events and economic conditions that will not prevail in the future. No portion of this article is to be construed as a solicitation to buy or sell a security or the provision of personalized investment, tax, or legal advice. Certain information contained in this report is derived from sources that McAdam believes to be reliable; however, the Firm does not guarantee the accuracy or timeliness of such information and assumes no liability for any resulting damages.Opinion piece disclosure: This article is the sole opinion of this individual and is not indicative of the firm’s belief. This represents a very general comparison and may not include all the information related to the product, security, investment shown or pros and cons. Please review the product prospectus provided for full details regarding the specific investments or strategies presented.
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