Stage Ready Financial Planning is a fee-only wealth management firm led by Joseph Eck, CFP®, serving retirees and pre-retirees in Dayton, Ohio, and nearby communities. The firm helps people aged 50 and older coordinate their finances for a more confident retirement, particularly those who have accumulated significant savings and want clear answers about income, investments, and taxes.

Its services include retirement and income planning, professional investment management, tax planning, Social Security and Medicare guidance, risk management, and estate planning. Joseph works with clients’ CPAs, attorneys, and local health insurance professionals to bring these areas together in a coordinated financial plan. The approach is fiduciary and fee-only: the firm does not accept commissions or sell financial products, supporting advice focused on clients’ interests and goals.

Stage Ready Financial Planning serves people approaching retirement as well as those already retired. The process begins with an introductory conversation, followed by a Stage Ready Retirement Assessment for prospective clients who choose to continue.