Financial planning for every stage — and every transition.

Retirement planning is about more than a savings number — it's about knowing how your income will actually flow once paychecks stop. We build a plan that accounts for Iowa's tax treatment of retirement income, your Social Security claiming strategy, IPERS or pension income where applicable, and a withdrawal order designed to make your savings last.

We revisit the plan as your circumstances change, so retirement isn't a one-time projection but an ongoing strategy you can trust.

Changing jobs shouldn't mean losing track of retirement savings or triggering an unnecessary tax bill. We walk through your options — staying in your former plan, rolling into a new employer plan, or rolling into an IRA — and handle the applicable mechanics without unnecessary withholding or missed deadlines.

If you're mid-transition between jobs right now, this is often the highest-value conversation we can have together.

Divorce carries financial consequences that outlast the legal process. We work alongside your attorney to model how equitable distribution affects retirement accounts, coordinate QDRO execution for pensions and 401(k)s, and evaluate decisions like whether to keep the marital home.

After the decree is final, we help you rebuild — updated beneficiaries, a revised budget, and a forward-looking plan built around your new financial reality.

Iowa eliminated its state inheritance tax for deaths on or after January 1, 2025, which changes the calculus for beneficiaries — but inherited IRAs, cost-basis step-ups on real estate, and the SECURE Act's 10-year distribution rule still require careful planning.

Whether you're planning your own estate or have recently inherited assets, we help you understand what applies to your situation and build a timeline that isn't rushed.

We build and manage allocation strategies designed around your specific goals and timeline, not a generic risk questionnaire. That means coordinating investment strategy with your tax situation, retirement timeline, and the rest of your financial plan.

Ongoing management includes regular rebalancing and ongoing reviews as your life — and the markets — change.

Where your money sits — and the order you draw from it — can matter as much as how much you've saved. We coordinate account types, evaluate Roth conversion opportunities, and sequence withdrawals with an eye toward minimizing lifetime tax drag.

We don't prepare tax returns, but we work closely with your CPA to make sure your investment and withdrawal strategy supports — rather than works against — your overall tax picture. LPL Financial and Fawkes Financial Consulting do not offer tax advice or services.