Provision Financial Planning helps lifelong savers navigate the transition from building wealth to using it in retirement. The firm focuses on people approaching or within the five years before and after retirement, particularly those with at least $750,000 in savings who want a coordinated approach to income, investments, and taxes.

Its services include structured retirement income planning, income-focused investment portfolios, Social Security timing guidance, and multi-year tax planning. Provision coordinates decisions about withdrawals, Roth conversions, and income timing to help clients manage taxes over their retirement, rather than focusing only on the current year. Its portfolios are designed around specific income needs, including essential spending, and aim to provide reliable, inflation-adjusted cash flow.

Provision describes itself as a fee-only fiduciary, with no commissions or product sales, and highlights expertise at the intersection of retirement planning, investments, and taxes. The process begins with a consultation, followed by detailed discovery and tailored analysis. The firm also offers a retirement-readiness checklist and a newsletter with plain-English insights on retirement income, investments, and taxes.