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INDEPENDENT INSURANCE BROKER · INSURANCE-ONLY20-MIN FIRST CALL · NO SCRIPT, NO SALES PITCH
Dimeguard

Retirement planning

Find out where you stand.

A free 20-minute conversation about your current savings, your target retirement age, and where the gaps may be — designed for families in their 40s and 50s who want a clearer picture before making the next move.

Book a 20-min callWhat we look at →

What we look at on a first call

Four things, in plain language.

No spreadsheet required up front. If something is missing, we name it and decide whether it's worth digging up before the next call.

Current savings & contributions

401(k), IRA, brokerage, cash on hand — and what's going in each month.

Target retirement age & income

When you'd like to stop working full-time, and roughly what monthly income you'd want then.

Social Security timing

How filing age may affect your benefit, and how it coordinates with your other income.

Tax-bucket coordination

Pre-tax, Roth, and taxable balances — and the order they may be drawn from in retirement.

How families typically work with me

A short ladder, not a long sales cycle.

Most engagements look like this. We can stop at any step if it's not the right fit.

Book a 20-min call
  1. 01

    Discovery call

    A 20-minute conversation to understand your goals and what's already in place.

  2. 02

    Written summary

    A short, plain-language summary of where you stand and the options worth considering.

  3. 03

    Ongoing review

    An annual check-in — or sooner if life changes (new job, new home, new dependent).

Questions

Common retirement-planning questions.

Is the first call really free?

Yes. The 20-minute discovery call is free with no obligation. If we keep working together, I'm paid by the insurance carrier on any policy you choose to put in place.

Do you charge a fee?

I'm an insurance-only broker — there's no planning or advisory fee. Compensation comes from the carrier when you place a policy. If a piece of work falls outside what I do, I'll say so and point you to someone who handles it.

Do you manage investments?

No. I'm an insurance-only broker — I don't manage 401(k)s, IRAs, or brokerage accounts. For investment management I refer to a CPA or RIA I trust, and we coordinate around your overall plan.

What if I already have a 401(k) plan elsewhere?

That's common. We look at how your existing plan fits into the broader picture — contributions, employer match, tax bucket — and whether anything sits outside it (IRA, life coverage, emergency fund) that may be worth tightening up.

How long does a typical engagement run?

Most families do a discovery call, a written summary, and then an annual review. Some come back sooner when life changes — a new job, a new home, a new dependent — and we re-look at the relevant pieces.

Ready when you are

A 20-minute call is the shortest path to a clearer answer.

No pressure, no jargon — just a look at where you stand and what your options may be.

Book a 20-min call

Saral Toms is a licensed insurance broker. Insurance-only licensure. Not investment, tax, or legal advice — for informational purposes only.