FlourishingPath Financial Coaching provides fee-only financial coaching and flat-fee planning for do-it-yourself investors approaching or living in retirement. Led by John Macy, MBA, RICP®, the service helps clients make informed retirement decisions while keeping control of their own money. John brings more than 20 years of consulting experience, including over 12 years as a U.S. diplomat and more than six years in financial coaching.

Coaching focuses on turning a retirement portfolio into a sustainable income system. Clients can get guidance on estimating retirement needs, creating a retirement paycheck, deciding how much to withdraw and which accounts to draw from, and coordinating investments with spending goals. Services also cover Social Security claiming strategies, retirement tax planning, Medicare and IRMAA, and planning for retirement overseas.

The approach considers how income, taxes, healthcare costs, inflation, market downturns, longevity, and investment growth interact over time. FlourishingPath is designed for people who want an experienced perspective on complex retirement choices, rather than someone to manage their investments.