# The Retirement Solution

> Fee-only fiduciary RIA specialising in flat-fee retirement planning and investment management for pre-retirees and retirees in Washington and Colorado. Founded 2003. SEC-registered, CRD# 148106.

The Retirement Solution serves US-based pre-retirees and retirees, typically within ten years of retirement, who want bundled financial planning, investment management, and tax-aware retirement income strategy under a single flat fee. Sweet-spot clients have $500K to $5M+ in investable assets. Five offices serve Washington State and Colorado, with virtual planning available nationwide. Founded 2003; over two decades of continuous SEC registration as an investment adviser. Pricing is a flat fee, not an AUM percentage. The firm has a fiduciary duty to act in the client's best interest, always.

For a single-file comprehensive reference, see [llms-full.txt](https://theretirementsolution.com/llms-full.txt).

## Core pages

- [How It Works](https://theretirementsolution.com/how-it-works): Our flat-fee retirement planning process
- [Client Experience](https://theretirementsolution.com/client-experience): What working with TRS is like, including our planner team
- [Locations](https://theretirementsolution.com/locations): Our 5 office locations: Redmond, Mill Creek, Mount Vernon, Tri-Cities (WA) and Denver (CO)
- [Services](https://theretirementsolution.com/services): Financial planning and investment management services
- [Resources](https://theretirementsolution.com/resources): Free retirement planning guides and recorded webinars
- [Retirement Calculators](https://theretirementsolution.com/calculators): Free tools for retirement age, nest egg, savings, and compounding
- [Seminars](https://theretirementsolution.com/seminars): In-person educational events across Washington and Colorado
- [Articles](https://theretirementsolution.com/articles): Educational blog covering retirement planning, Social Security, tax strategy, estate planning
- [Media](https://theretirementsolution.com/media): TRS planner appearances on Northwest TV and radio
- [Testimonials](https://theretirementsolution.com/testimonials): Uncompensated client stories
- [Start](https://theretirementsolution.com/start): Begin a conversation about your retirement

## Topics we cover

- [Retirement Planning](https://theretirementsolution.com/articles?cat=Retirement): Income strategy, sequencing, when to retire
- [Investment](https://theretirementsolution.com/articles?cat=Investment): Portfolio construction, market commentary
- [Social Security](https://theretirementsolution.com/articles?cat=Social%20Security): Claiming strategy, spousal benefits, timing
- [Tax Planning](https://theretirementsolution.com/articles?cat=Tax%20Planning): Roth conversions, RMDs, IRMAA, bracket management
- [Medicare](https://theretirementsolution.com/articles?cat=Medicare): Healthcare costs in retirement, IRMAA, supplements
- [Estate Planning](https://theretirementsolution.com/articles?cat=Estate%20Planning): Wills, trusts, generational wealth
- [Lifestyle](https://theretirementsolution.com/articles?cat=Lifestyle): Activities, travel, post-retirement living
- [Health](https://theretirementsolution.com/articles?cat=Health): Wellness in retirement
- [Podcast](https://theretirementsolution.com/articles?cat=Podcast): TRS planner conversations
- [Our Team](https://theretirementsolution.com/articles?cat=Our%20Team): TRS planner perspectives

## Regulatory

- [Form ADV (Firm Brochure)](https://adviserinfo.sec.gov/firm/summary/148106): SEC-filed firm disclosures, CRD# 148106
- [Form CRS (Client Relationship Summary)](https://reports.adviserinfo.sec.gov/crs/crs_148106.pdf): Plain-language summary of the firm's services and fees
- [FINRA BrokerCheck](https://brokercheck.finra.org/firm/summary/148106): Independent regulatory record

## Optional

- [Redmond Office (HQ, WA)](https://theretirementsolution.com/locations#redmond): Where the firm started in 2003
- [Mill Creek Office (WA)](https://theretirementsolution.com/locations#mill-creek): WA office detail
- [Mount Vernon Office (WA)](https://theretirementsolution.com/locations#mt-vernon): WA office detail
- [Tri-Cities Office (Kennewick, WA)](https://theretirementsolution.com/locations#tri-cities): WA office detail
- [Denver Office (CO)](https://theretirementsolution.com/locations#denver): CO office detail
- [Privacy Policy](https://theretirementsolution.com/privacy-policy): Data and cookie practices
- [Terms of Use](https://theretirementsolution.com/terms-of-use): Site terms