One flat fee, not a percentage of your savings
You will always know what you pay, and it does not change when your accounts do.
Flat-fee retirement planning
You're within ten years of retirement, and the decisions are starting to pile up.
Tell me where you're headed. Glow coordinates your investments, taxes, income, and estate so they keep moving with you.
Fee-only & fiduciary
Flat fee, starting at $4,000/year
CFP® professional
If you're getting close to retirement, these probably sound familiar.
Am I actually on track, or does it just look that way?
How do I turn what I’ve saved into a paycheck that lasts?
Am I about to pay more tax in retirement than I need to?
Who is making sure all of this actually works together?
The GLOW system
One clear path through the decisions ahead.
Most people come to me with a pile of accounts, a few spreadsheets, and a nagging sense that no one is looking at the whole picture. GLOW is how I fix that. It is the order I work in, so nothing important slips through.
G
Get Organized
I pull every account, document, and open question into one clear picture.
L
Learn
You understand what you have and what your choices are, in plain language.
O
Optimize
I coordinate the decisions that affect one another: taxes, investments, Medicare, income, and estate plans.
W
Watch
I stay with it as your life changes and the rules change.
Meet Jordan
I'm Jordan, and I started Glow for a simple reason. I kept meeting people who had done everything right, who were careful and capable and successful, and who still were not sure they were making the right calls about retirement. No one had ever laid the whole thing out in front of them.
I built Glow to be that person. I charge a flat fee, I do not sell products, and I take the time to actually know your situation. My job is to handle the complexity so you can get back to your life.
Jordan Drinkhouse, CFP®, RICP®
Why Glow
Three things that make the difference
Fee-only and fiduciary
Glow is paid by you and no one else. No commissions, no product sales. As a fiduciary, Glow is required to put your interests first.
Built around coordination, not stock picking
In retirement, much of the value comes from making sure your taxes, income, Social Security, and Medicare decisions work together. That is the work I do.
See it in action
Want to see coordinated planning in action?
Watch how the pieces come together in one example scenario.
That is one situation. Yours is different. Let's look at yours.
What it costs
$4,000 to $10,000 / year
Starting at $4,000, billed quarterly
Glow charges a flat annual fee, from $4,000 to $10,000 a year, starting at $4,000. It is billed quarterly and based on the complexity of your situation, not the size of your savings. No minimum term and no lock-in.
See the full breakdown
How to start
Three steps, no pressure
1
A free intro call
We spend about 30 minutes on your situation and your questions. You leave knowing whether Glow is the right fit.
2
A clear look at where you stand
If we move forward, I organize everything into one picture, so you can finally see the whole thing in one place.
3
One coordinated plan
We build and run your plan together, and I stay with it as your life and the rules change.
Learn as you go
Visit the Learn hub
On the decisions you're weighing now
Short, plain-language videos.
Video
Retiring With Exactly $1 Million: The Complete Picture
Video
Spousal Social Security Strategy: Are You Leaving Money Behind?
Video
Stocks in 401(k), Bonds in Roth? Here's Why That's Backwards
Common questions
Flat-fee planning, answered plainly
What does a flat-fee financial advisor cost?
Glow's flat fee runs from $4,000 to $10,000 a year, starting at $4,000, billed quarterly. The exact number depends on how complex your situation is, not how much you have saved, and you will know your fee before you commit to anything. For comparison, a typical 1% fee on the money an advisor manages would run about $10,000 a year on a $1 million portfolio, and it climbs as your savings grow.
What is the difference between flat-fee and AUM pricing?
AUM pricing charges a percentage of the money an advisor manages, so the cost rises as your savings grow. A flat fee stays the same regardless of your account balance. With Glow, what you pay is tied to the work involved, not the size of your portfolio.
Billing on a flat fee lets Glow work with people who cannot transfer their investment accounts to an advisor, most often because the majority of their assets sit inside an active 401(k).
What does fee-only mean, and how is it different from fee-based?
Fee-only means Glow is paid only by its clients, never through commissions or product sales. Fee-based advisors can earn both client fees and commissions, which can create competing incentives. Glow is fee-only.
Do I have to move my investments to work with Glow?
No. By default, Glow manages your investments, because that is how the plan gets carried out inside your accounts. But if you would rather keep managing your own, or you have accounts that cannot move, like a current employer's 401(k), that does not disqualify you and it does not change your fee.
How do I know if I am on track to retire?
You are on track if your reliable income, plus what your savings can support, covers what you expect to spend in retirement, taxes and health care included. I organize your accounts, income sources, and goals into one picture, so you can see where you actually stand. From there I map the decisions ahead and the order to make them in.
What decisions do I need to make before I retire, and in what order?
The big ones cluster in your late 50s and 60s: when to claim Social Security, how to handle Roth conversions, how to bridge health insurance before Medicare, and how to turn savings into income. They affect one another, so the order matters. Some decisions have fixed windows; others move depending on your unique situation. There is no one-size-fits-all answer, which is why Glow provides personalized, ongoing financial planning.