Independent. Fee-Only. Always a Fiduciary.
We Help You Say Yesto the Life You’ve Saved For
Retirement planning for people approaching or living in retirement.
You’ve saved well, but a few questions still keep you up at night.
“Will we run out of money?”
It’s the most common worry we hear. The opposite happens just as often: people keep working three more years to be safe and give up healthy time they can’t get back.
“How much will taxes take?”
Required withdrawals, Social Security timing and Medicare surcharges can add up quickly. Your CPA reports on last year, but nobody is planning the next thirty.
“If something happened to me, would my spouse know what to do?”
Many couples rely on one person to manage the finances. If that person were suddenly gone, the surviving spouse could be left searching for accounts, passwords, and answers during an already overwhelming time.
These questions deserve real answers, and that’s exactly what the Bonfire Method is designed to deliver.
The Bonfire Method
Most advisors ask you to move your money before showing you a plan. We believe you should see the plan first.
In four meetings over 30 days, we build a written plan that brings your income, taxes, investments, insurance, and estate planning together. You’ll know where you stand, what steps to take, and have the flexibility to choose how you move forward.
People come to us for a plan.
They stay for the clarity.
They explain in detail; the staff are so friendly and helpful… I worked very hard for the money for my retired years.
Calm, professional, and honest financial advice. Can’t say enough nice things about Bonfire!
They have been very helpful in working with and planning our financial picture. Great to work with and discuss things!
The team communicates honestly, openly, and authentically, which makes them easy to trust… I’m delighted to be a client.
A bonfire is where the good stuff happens.
Celebration. Connection. The moments that matter.
We chose the name on purpose. Our job is to build the financial foundation that makes those moments possible.
And to help keep a tax bill, a coverage gap, or a market panic from taking them from you.
- Independent and fee-only. A Registered Investment Advisor.
- CERTIFIED FINANCIAL PLANNER™ professionals. A whole team of them.
- On your side of the table. Paid by you, not by product companies.
Clear answers for complex retirement decisions
Wondering How It All Works?
Another advisor offered me a free financial plan. Why should I pay for yours?
You wouldn’t want a doctor prescribing medication without doing the exam first. We believe financial advice should work the same way.
The Bonfire Method goes beyond investment recommendations to examine your entire financial picture, including taxes, retirement income, insurance, estate planning, and investments.
You’re paying for a comprehensive plan, not an investment sales pitch. The plan is yours to keep, and if you choose to continue with Bonfire, your planning fee is credited toward your ongoing planning or consulting fees.
We already have a CPA and an estate plan. Why would we need you?
That’s common. Most of our clients already have a CPA, estate documents and investment accounts in place. The problem is that those pieces are often handled separately.
We bring them together into one coordinated retirement strategy, connecting your investments, taxes, income, insurance and estate planning so each decision supports the bigger picture.
How do you get paid?
We believe in transparent pricing. Bonfire is a fee-only financial advisory firm, meaning we’re paid directly by our clients rather than through commissions on investment products.
We start with the Bonfire Method, a comprehensive financial plan for a one-time fee. From there, clients can choose ongoing investment management based on assets under management or flat-fee consulting, depending on their needs.
And if you choose to continue working with Bonfire, your planning fee is credited toward eligible ongoing planning or consulting fees.
What does “fee-only” actually mean here?
Bonfire Financial is a fee-only RIA, which means our advisory fees are paid by you and only you. We do not earn commissions for recommending investments.
As a fiduciary, we are required to put your interests first and provide advice based on what we believe is best for you.
AI answers money questions for free. Why pay an advisor?
Because the most expensive financial mistakes often come from questions you didn’t know to ask.
It’s a powerful tool, and we use it ourselves, but getting an answer isn’t the same as getting the right advice.
AI can tell you how a Roth conversion works. But should you do one? How much? This year or next? And what could that decision mean for your taxes, Medicare premiums, and retirement income?
That’s where an experienced advisor makes the difference. We look at your entire financial picture, identify opportunities and risks you may not know to ask about, and help you make decisions that work together.
AI can give you answers. We help you make the right decisions for your life. And as fiduciaries, we’re legally obligated to put your interests first.
Is it too early (or too late) to start planning?
The ideal time to start planning is three to seven years before retirement, when you still have time to make important decisions about taxes, investments, and retirement income.
But whether retirement is years away or you’re already enjoying it, a thoughtful plan can help you make the most of what you’ve saved.
Is there a minimum investment to work with Bonfire?
Not for the Bonfire Method. Our comprehensive financial planning process is available regardless of how much you’ve saved, and the written plan is yours to keep.
Our $700,000 investable-asset minimum applies to ongoing wealth management and consulting services. You can choose to implement your plan independently or continue working with us.
Children and grandchildren of current clients are welcome regardless of account size.
You’ve Built the Wealth.
Let’s Make a Plan for What’s Next.
Your next chapter starts with a conversation. Spend 30 minutes with a Bonfire advisor to discuss your goals, your questions, and whether we’re the right fit to help you move forward.
Prefer to get started on your own?
Explore The Enough Line.