Questions people ask me before we talk.

It is a 20-minute introductory conversation about what is changing, the decisions in front of you, and what you want more clarity around. There is no presentation, I will not ask for account numbers, and nothing needs to be decided on the spot.

Most people come with a retirement date coming into view, a company plan to sort out, or a set of accounts nobody has looked at together. You can see how I lay that first conversation out on the Start Here page.

Nothing. The introductory conversation is 20 minutes, at no cost and with no obligation.

If we go further than that first conversation, I will explain how I am paid before you are asked to decide anything.

Nothing formal. You do not need statements, tax returns, or a spreadsheet for the introductory conversation.

A few sentences about what prompted you to reach out and the questions on your mind are plenty. If we decide to keep going, I will walk you through which documents would be useful at that point.

I will tell you what I think a sensible next step looks like, and whether working together appears to make sense. If I am not the right fit for what you need, I will say so.

There is no follow-up sequence you have to sit through and no pressure to continue.

Yes. I am your primary financial planner, advisor, and point of contact.

I have a team behind me supporting the work so that things are handled properly, and I stay at the center of the planning relationship. You are not handed off after the first meeting.

CFP Board's Code and Standards requires a CFP^® professional to act as a fiduciary, and therefore in the client's best interests, at all times when providing Financial Advice to a Client. That includes a duty of loyalty, a duty of care, and a duty to follow client instructions.

For me, that means advice starts with what serves you and your goals.

You are also welcome to check the sources yourself: CFP Board's Code of Ethics and Standards of Conduct, FINRA BrokerCheck, and the SEC's Investment Adviser Public Disclosure site.

Both. The 20-minute introductory conversation can be by phone or video, whichever is easier for you.

In-person meetings are also available by appointment at 220 Heritage Walk, Suite 116, Woodstock, Georgia 30188, and 319 E Church Street, SE, Suite B, Cartersville, GA 30120. I work with households in North Metro Atlanta and other states where Moss Wealth Management is registered.

Yes, with your permission. Retirement decisions tend to touch taxes, estate documents, and investments at the same time, so I would rather coordinate with the professionals you already trust than have those decisions made in separate silos.

If you do not have a tax professional or an attorney and something calls for one, I can help you think through what kind of professional to look for.

Clearer decisions and better coordination, not market predictions or guarantees.

The work is about getting an organized view of how income, investments, Social Security, taxes, Medicare, spending, spouse preparedness, and legacy choices interact, so the decisions in front of you can be made on purpose rather than under deadline. That is what retirement paycheck planning is, and the 36-Month Retirement Decision Calendar lays out when those decisions tend to arrive.

Yes, and I take them as a real compliment.

If someone you care about is approaching retirement and would like to talk, they are welcome to use the Start Here page or the contact form, and I will take good care of them.