Stop guessing.
Start spending.
A TRS planner walks you through a personalized income plan that shows what you can afford to spend every month, for the rest of your life.
- Flat Fee Pricing
- SEC-registered since 2003
- BBB A+ rated
- 5 offices, virtual nationwide
Less than a minute
Talk to a retirement planner
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Private and secure. We never sell your information. Privacy Policy.
- Flat Fee Pricing
- SEC-registered since 2003
- BBB A+ rated
- 5 offices, virtual nationwide
Flat fee. Bold life.
Trusted by retirees across Washington and Colorado
Years helping retirees plan
Offices serving WA, CO + virtually nationwide
BBB rating since founding
Fiduciary Duty
SEC-registered RIA
Flat Fee Pricing
No AUM percentage
BBB A+ Rated
Accredited business
Money-Back Guarantee
Full refund within 12 months
What our clients say
All testimonials shown are from clients and are uncompensated. Uncompensated testimonials may still be affected by selection bias.
“If we hadn't met with The Retirement Solution, my husband would still be working. Instead, we took 10 vacations this year! They've made everything so easy for us.”
Laurette
Client since 2021
Uncompensated
“We appreciate TRS taking care of our retirement plan. We trust the decisions that are made on our behalf. We look forward to another year of stress-free retirement.”
Bonnie & Albert
Client since 2023
Uncompensated
“Our team at TRS continually reinsure us that our plan is solid during these volatile times in the market. As a client, we appreciate that.”
Tim & Debbie Garrett
Client since 2017
Uncompensated
“We've always enjoyed our meetings with Kyle Nelson and Tom Black.”
Jeff & Karen Gilley
Client since 2016
Uncompensated
The testimonials were provided by current clients. The clients were not compensated, nor are there material conflicts of interest that would affect the given statement. The statement may not be representative of the experience of other current clients and does not provide a guarantee of future performance, success, or similar services received.
Why retirees choose The Retirement Solution
Three reasons our clients leave the meeting with a plan they can actually follow.
A real income plan, not a sales pitch
Bucket-strategy planning shows you exactly what you can spend each month, for life. Built around your numbers, not a product quota.
Flat fee. Always.
$700/month, the same price whether you have $500K or $5M. No AUM percentage, no hidden commissions, no incentive to push the wrong product.
Fiduciary, every conversation
Legally required to act in your best interest. Always. We've operated this way since 2003.
See what working with TRS is really like
Three minutes with Kevin and Debra on what changed for him after we built their plan.
Here's how it works
Three steps from where you are now to a plan you can actually follow.
Schedule a call
An introductory conversation with a TRS planner: no prep, no commitment, no sales pitch.
We build your plan
We map your assets, income needs, taxes, and Social Security into a bucket-strategy plan you can see month-by-month.
You decide what's next
Take the plan with you. Work with us to put it into action, or take it to your existing advisor. Your call.
“If we hadn't met with The Retirement Solution, my husband would still be working. Instead, we took 10 vacations this year! They've made everything so easy for us.”
Laurette
TRS client since 2021
Uncompensated client testimonial
The testimonial was provided by a current client. The client was not compensated, nor are there material conflicts of interest that would affect the given statement. The portrait shown is a photographic representation, not the client themselves. The statement may not be representative of the experience of other current clients and does not provide a guarantee of future performance, success, or similar services received.
Is The Retirement Solution right for you?
Our planning service is built for retirees and pre-retirees who match these four criteria.
$500K+ in investable assets
Enough portfolio for a multi-bucket plan to materially change your outcomes. We'll happily refer smaller accounts to a more suitable advisor.
Aged 50 or older
Within ~15 years of retirement, in retirement, or planning around a recent inheritance or sale.
Based in the United States
We serve WA + CO physically and the rest of the US virtually.
Looking for a real plan, not a product
If you want commission-driven product recommendations, we're not the right fit. We charge a flat fee precisely because we don't sell products.
Common questions, answered
How much does the consultation cost?
The first conversation is complimentary. We won't ask for a credit card, won't take any of your assets under management on the call, and won't pressure you to commit to anything.
What's TRS's flat fee?
$700 per month, the same whether your portfolio is $500K or $5M. There's no AUM percentage, no commission, and no hidden fee. You can cancel any time within the first 12 months for a full refund.
What does "fiduciary duty" actually mean?
It means TRS is legally required to act in your best interest at all times, not the interest of an insurance company, a broker, or a fund manager.
What happens after the consultation?
You leave with a high-level view of your situation and a clear sense of whether a full plan is worth pursuing. If yes, we walk you through engagement; if not, we shake hands and you take what you've learned.
Most people hope for retirement.We help you build it.
Schedule a complimentary consultation with one of our planners.
No pressure, no obligation - just an honest conversation about your retirement.