Disciplined Money is a fee-only financial planning firm serving people approaching or living in retirement. Its hourly model is designed to provide personalized guidance without commissions, asset minimums, or an ongoing fee based on a percentage of investments. A CFP® professional helps clients evaluate when they can retire, how much they may safely spend, Social Security timing, Roth conversions, taxes, health care costs, and investment choices.

The firm’s planning process begins by clarifying a client’s retirement goals and assessing whether projected income, spending, and savings support them. It then examines funding expenses, tax considerations, health and long-term care costs, potential risks, and portfolio alignment. A final review helps clients understand their options and make informed decisions.

Planning is billed at $250 per hour, with many initial plans taking six to ten hours. Clients may manage their own investments, request periodic plan updates, or discuss ongoing investment management, which is also billed by time. Disciplined Money has offices in Phoenix and Glendale, Arizona, and offers introductory calls to prospective clients.