facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog external search brokercheck brokercheck Play Pause

RETIREMENT, SIMPLIFIED

 We've helped people like you retire with joy


Your Financial Plan Made Easy


1

VISIT OUR WEBSITE

Read about the company, the services offered and the way we can help.

2

SCHEDULE A PHONE CALL

On a brief call, you can determine if we are the best advisor to be working with you. If we are, together we’ll decide on the most appropriate service.

3

SIMPLIFY YOUR LIFE

After an in-person meeting and an agreement to work together, we’ll work with you to design a financial plan that gets you to your ideal life.

ABOUT


Our ideal clients are retirees (or soon to be) covered by Illinois-TRS, AbbVie employees, or retirees spending time between Illinois and Arizona.

Retirement Matters best serves clients who want to devote time to understanding how best to prepare for retirement, both emotionally and financially. This is typically an individual five years (or less) from retirement, have a household income of over $200,000, and be consistently saving to increase their net worth.

Retiree clients have over $1,000,000 in investable assets that is managed by Retirement Matters. A typical client will be excited about planning their next steps, looking forward to receiving financial guidance and implementing suggestions, and have saved diligently throughout their career.

We might be a good fit to work together if:

  • You understand that you need assistance managing your finances and need the guidance of a professional.
  • You want to transfer the burden of managing your finances to someone else so you can enjoy more time pursuing the things you enjoy.
  • You are prepared to devote the time needed to having an impactful conversation about your financial life

Our typical client is over the age of 55.

Dave Grant CFP Financial Planner in Barrington IllinoisHere's the important stuff:

When I initially work with clients, my aim is to say as little as possible. I want you to share your story, and I will probe with questions as needed. I want you to feel that you have a safe space to share the experiences you've had in life and with money, whether they are good or bad. I want to give you the freedom to explore what life will look like, knowing that I will be able to do the relevant analysis to tell you if it will be possible. 

But most of all, I want to work with clients who trust our relationship and understand that they shape what it looks like, not the other way around.

Now here's the technical stuff......

My name is Dave Grant. I am a Certified Financial Planner (CFP) professional, a NAPFA Registered Financial Advisor and have been providing fee-only, fiduciary financial advice to clients since 2007. To better serve retiring and retired clients, I have taken advanced classes in retirement income planning. Having worked in fee-only firms of various sizes before starting my own firm in 2013, I have advised clients ranging from young professionals, oil executives to happily retired, blue-collar families. My specialities include working with Illinois teachers and executives facing retirement needing to turn their multiple assets into a stream of retirement income.

I am an advocate for providing financial advice using a fee-only model, which means I only get paid by my clients - not through product commissions or other means. I believe that everybody who needs financial advice should be able to receive it, not doubt the quality of advice they receive or be in doubt regarding the amount they are paying.

I am an internationally known planner specializing in how younger financial planners can excel in their career. In 2020, I "retired" as a decade-long columnist for Financial Planning magazine where I wrote a column for younger financial planners.

I live in Cary, work in Barrington, am married to a middle school Math teacher (Highland Middle School, Libertyville) and am a father to two boys. I'm a proud member of the Board of Directors for YMCA Camp Duncan in Fox Lake, IL and have loved serving as a mentor through Kids Hope USA. As a dual-citizen of the USA and UK, I am a chocolate connoisseur and think more milk in chocolate makes it taste better. I was devastated when Kraft bought Cadbury.

E-book
E-book

Download your FREE 

Financial Guides

FIND OUT MORE

E-book
E-book

SERVICES & FEES

Need a visual of our services?

Download our Service Matrix

Retirement Matters Service Matrix                    


Are you looking for a review, or want to find out where the holes are in your situation? A one-time, comprehensive financial plan might be what you’re looking for.

During your one-time financial plan, we’ll have in-depth discussions on pertinent financial topics. We'll cover everyday spending, debt management, income taxes, education planning, retirement planning, investment management, estate planning, legacy building, and charitable giving.

After taking a holistic look at your finances, we’ll work together to construct a personalized, comprehensive financial plan. At the end of our process together, you’ll receive fully customized advice and easy-to-understand reports covering all recommendations. You’ll then be empowered to complete all these recommendations yourself without ongoing support from Dave.


INVESTMENT (COST)

At Retirement Matters, we’re completely transparent about our costs. A one-time financial plan costs $4,000, with a review in the future costing $2,500. Our meetings can be conducted via phone, video, or in-person at our office.

This service is not for current retirees. This service is only available for those still working, and want to seriously plan for their retirement.


  

Retirement Matters offers full wealth management services to clients who have assets managed by us. Many of the clients utilizing this service are retirees, but it is not limited to this group. This service includes financial planning, investment management, income tax review and preparation by a CPA, and access to a financial planner and accountant. All clients in this premium service offering have managed assets of $1,000,000 and above.

FINANCIAL PLANNING

We’ll develop, implement, and monitor a comprehensive financial plan – along with managing your investments. We’ll put together a plan that takes into account your spending, debt management, income taxes, education planning, retirement planning, investment management, estate planning, legacy building, and charitable giving.

INVESTMENT MANAGEMENT

Our tax-sensitive, mutual fund and ETF investment approach ensures a diversified portfolio that moves you toward saving success. We will also work to rebalance your portfolio quarterly so that it’s always in line with your risk tolerance and long-term investment goals. We only offer ongoing investment management to new Wealth Management clients.

TAX STRATEGY

Our comprehensive planning package offers you access to both Dave Grant, CFP® (your financial planner) and one of our partner CPAs year-round. While Dave helps to guide your investment strategy to ensure it is tax-efficient, your CPA will help you prepare and file your federal and state taxes each year, and ensure your financial plan and investments are “tax-appropriate”.

EXCLUSIVE ACCESS

This service has a limited client roster – ensuring our Wealth Management clients receive a premium service. We pride ourselves in providing premium services, so in addition to this exclusive service offered to a limited pool of clients – we also offer an online, private portal. This portal helps to link your bank and investment accounts, helping you view your assets in real-time, all in one place. It also acts as a personal vault for all file transfer and storage between you and your advisory team.


INVESTMENT (COST)

This package includes multiple services and is covered by one fee. The financial planning, investment management and income tax review/prep fees are paid through your accounts (restrictions apply) to provide a streamlined experience for you. This fee is deducted from your account – no check writing required. The minimum quarterly fee is $2,500.

This service is only available to clients where we manage all investable assets (retirement and taxable accounts).

  

Free Webinar from

Retirement Matters


How to know what Medicare options are right for you?

  Complex topics explained in plain English by a Medicare expert

  Learn what "Medigap" plans are and if you need one

  Understand the common issues with Medicare and how you can avoid them

Learn More

OUR PROCESS


We specialize in taking K-12 Illinois educators or those needing a retirement income plan through the financial planning process.

The financial planning process can seem vague if you’ve never been through it. But there is a definitive method to putting your financial plan in place. Here are some graphics which should help explain it:

Do not put alt text for this imageClick to Enlarge Image


DISCOVER

Initially, we’re going to spend a lot of time talking about you. This is where you get to tell your story, whether it be about money or otherwise. Many experiences influence how we deal with money so we’ll explore various areas of your life. You’ll get prompted with questions and I’ll listen while taking copious notes. We’ll explore where you’ve come from, where you see yourself now, and what you want the future to look like. If you’re not sure - there’s no pressure - we’ll put some loose parameters on it, and work with those.

PLAN

Then I’ll give you a list of things I’ll need to start putting a plan together. You’ll go away and gather data and submit it to your personal document vault.

I’ll then spend a couple of weeks analyzing your situation through various lenses and designing various scenarios for how you can achieve what you would like in the future. The important thing to remember is that this is YOUR plan, I’m just going to give you some guidelines and options on how to achieve it.

Once we’ve discussed which options and recommendations you’re comfortable with, then we'll put your plan into action.

MONITOR

If you’ve decided to retain me on an ongoing basis, we’ll talk regularly - via email, phone and in-person. We’ll make sure your plan fits your life as it changes, and that you’re still able to achieve everything you’ve set out to do.

E-BOOKS

Retiring as an Illinois teacher has many components. Do you have them all covered?

  • If you still have some years left, are you saving for retirement in the best way?
  • If you’re married, have you coordinated retirement strategies and timing with your spouse?
  • Have you researched and decided on your AAI pension refund selection?
  • But most importantly: what does retirement look like for you, and does it have a deliberate design?

Download Now


As an Abbvie employee, have you maximized your benefits to secure your best future?

  • Understand the AbbVie 401(k), Deferred Income and Pension plans and how to maximize your savings and investment options.
  • Have you selected the best group insurance options for you and your family?
  • How to use the various AbbVie stock plans to grow your wealth and retire on your timeline.

Download Now


If you’re nearing retirement, you might want to read our (almost) complete guide:

  • Learn how your psychology affects the retirement transition and how best to prepare.
  • How should you design your portfolio for retirement?
  • When to take Social Security and avoiding being left without health insurance through simple Medicare mistakes.
  • Understanding if you need Long Term Care insurance and how not to run out of money in retirement.

Download Now


If you have a pension and are planning to retire soon, here’s some things to know:

  • How pension elections fit into an overall financial plan.
  • What happens to your pension if your company goes bankrupt?
  • What is “pension maximization” and how can you take advantage of it.
  • How to modify your investment portfolio if you have a pension that will meet most of your retirement income needs.

Download Now


See What Our Clients Are Saying

See all our reviews


We hired Dave Grant to help us achieve tax efficiency, reduce our risk in the market, preserve capital, and restructure our portfolio for retirement. This required expertise that exceeded our ability. Dave is a fee-based CFP who has accomplished all that for us plus given us a great plan for the future. Most importantly he has given us peace of mind regarding our finances. Dave is an intelligent, caring and trustworthy Financial Planner/Math Geek. He responds quickly, is always transparent, and does not push product on us (for commission). We tried two other financial planners but none have the caliber of Dave Grant. We highly recommend him and Retirement Matters.

- CARA KRETZ, Client

After years of going it alone and then finally deciding I could use objective, professional advice as I neared retirement, I started looking at independent financial planners - someone who did not stand to gain from my savings.  I tried a referral from a trusted friend.  That was a disaster.  Finally I did my own homework, narrowed it down and interviewed several before making my decision.  I couldn't be happier with Dave's services.  He is super smart, object, professional, non-judgmental, and keeps his promises.  Most importantly, I'm comfortable and confident in my retirement plans.  Dave keeps me on track and is always available when I have questions.  I couldn't be happier and highly recommend him!

- SUSAN BENDER, Client

My wife wanted a professional financial evaluation and retirement analysis. After doing extensive research, interviewing several financial professionals, and evaluating proposals, she concluded that Dave Grant and Retirement Matters would be the best fit for our unique combination of professions.

Dave conducted a review of our finances and projected several different retirement scenarios. At every stage of the process, he was thoughtful,  comprehensive, and thorough. His recommendations were sound. One example, his advice for me to switch 403(b) providers alone was worth the fee by avoiding the high prices the other provider was charging me. I can't recommend Retirement Matters more highly.

- JAMES CONLEY, Client

BLOG: 

WRITTEN & VIDEO


CONTACT


Dave Grant CFP Financial Planner Barrington Illinois

Dave Grant, CFP®

 

Phone:  847-558-6991

Email:  dave@retirementmattersillinois.com

Illinois Office:  777 N. Lake Zurich Rd, Suite 125D, Barrington IL 60010

Mesa Office:  3707 E. Southern Ave Suite 100, Mesa, AZ 85206