Disciplined Money

A fee-only financial advising business. Disciplined Money provides hourly financial planning for people approaching or living in retirement. Its planning addresses retirement timing, cash flow, spending, Social Security, taxes, and investment guidance. The process begins by creating or reviewing a financial plan, then examines how to fund expenses, current and future tax rates, health care and long-term care costs, risks, and portfolio alignment. Clients can choose to manage their own investments, work with the business on investment management, or return for plan updates and advice as needed. Fees are hourly, with no commissions or asset minimums. The business states that the hourly rate is $250 and that initial planning commonly takes six to ten hours, depending on the situation.