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.
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.
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:
Our typical client is over the age of 55.
Here'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.
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.
At Retirement Matters, we’re completely transparent about our costs. A one-time financial plan costs $5,000. 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.
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.
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.
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”.
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.
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).
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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:
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.
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.
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.
There are times when you research a company and you just want to know if they have helped people like you. As a financial services company, we can’t provide testimonials, however we can highlight some situations we’ve worked on – maybe they’ll be similar to yours?
Pete has been an executive at a large health care company for the last 20 years and during the last 10 years has received various promotions. However, his marriage had failed during that time. He was starting to earn more money and see his wealth grow and wanted to focus on planning for the future. He loves his career but needed someone to manage the finer details of his financial plan and investments.
As part of his plan, we:
Andrew and Jennifer both come from a prudent, middle-class background and worked at the executive level for most of their careers – Andrew in the banking industry and Jennifer as a teacher. They had been taught how to save by their parents, but even that training didn’t quench the nervousness and anxiety they felt being on the doorstep of retirement. While they didn’t have too much time to make any adjustments, they were able to implement a plan that eased their concerns and paved the wave for an enjoyable retirement.
As part of their plan, we:
Beth has been retired for three years. She’s done some fun things in that time, but is now realizing that retirement is going to be a long time, and a recent inheritance from her Mother will substantially change her situation.
As part of her plan, we:
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Phone: 847-558-6991
Email: dave@retirementmatters.co
Illinois Office: 18-5 E. Dundee Road Suite 200, Barrington IL 60010
Mesa Office: 3707 E. Southern Ave Suite 100, Mesa, AZ 85206
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