Six decisions, made once, in the right order — so your retirement plan does not have to be re-decided every year. Book your session and the book is yours free.
No cost. No obligation. No pressure — ever.
Modern Planning — the book behind the system.
Host of The Financial Safari® · Heard on 50+ radio stations
Save enough, retire around sixty-five, and the rest took care of itself. Almost none of that describes a household today. The pension is gone. The paycheck now has to be built by hand, every month, for thirty years. Medicare reaches two years back into your tax return and sets your premium from it. And most of what you own will never pass through your will at all.
Turning savings into income you cannot outlive, so there is always a check coming next month.
“He did everything right, retired with more than his father ever saw, and still could not sleep.”
The years before required withdrawals are the best you will ever have to control the bill. Most people leave them empty.
“Same savings. Same spending. Same market. Twenty years later, one household had paid far more tax than the other.”
Beneficiary forms and account registrations move the money, not the will. We check every one.
“You paid real money for a will. For a great many households, it governs almost nothing they own.”
The Plan Once – Plan for Life™ system is built on six decisions — the six points on the compass. Our team makes them with you, in the right order, and sets them so they hold.
Deadlines, thresholds, forms, and cliffs. Nobody can hold all of it in their head. Nobody should have to. The point of a plan is not to remember everything — it is to decide it once, in the right order, and then stop. Coach Pete D'Arruda
Choose a point — or use the arrow keys
Income you cannot outlive.
The check that arrives every month no matter what the market does. Everything else in the plan sits on top of it.
What stays invested — and what it is for.
Money you are not spending this decade has a different job than money you are. The two should not be managed the same way.
The low-tax window, before it closes.
The years before required withdrawals are the best you will ever have to control the bill. Most people leave them empty.
Health now, and care later.
Medicare reaches two years back into your tax return and sets your premium from it. The care question is harder, and it arrives without warning.
Where it actually goes.
Beneficiary forms and account registrations move the money, not the will. We check every one of them against what you actually want.
Who it is all for.
The plan is not really about the accounts. It is about who depends on them, who has to act when you cannot, and what they will need to know.
Our team does not hand you a binder and a to-do list. We build the plan with you.
A no-cost, no-obligation Plan Once – Plan for Life™ Session with our team. Bring your questions.
We send Modern Planning free. Every rule comes with the real number, the deadline, and the move to make.
We build it with you and set it so there is always a check next month — and you stop worrying about spending.
NO COST · NO OBLIGATION · ABOUT AN HOUR
MON–FRI, 9–6 ET
Call 800-661-7383 Text “PETE” to 600700We reply to texts the same day.
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Twenty-three chapters on the rules actually operating on your money right now. It is written so you can do this yourself, if that is what you want.
Tell us where to send Modern Planning. We will follow up to schedule your Plan Once – Plan for Life™ Session if you want one — no obligation either way.
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Every rule that is actually operating on your money right now — with the real number, the deadline, and the move to make.
A big enough number is not the same as a safe one. Retirement rewards certainty, not the probabilities a spreadsheet promises.
Ten changes live on your money for 2026, five quiet drains on a retirement paycheck, and the withdrawal order that rewrites your lifetime tax bill.
The premium you can appeal, the coverage that stays home when you travel, the door that narrows after year one — and why nobody from Medicare is going to call you.
Aging in place rests on five legs — the house, the neighborhood, the health picture, the people nearby, and the budget. It only takes one giving way.
The six accounts that never read your will, the basis step-up most people cannot name, the house you should not gift early, and the one plain letter that spares a family weeks.
The closing argument for the whole book — and the system your session is built on.
Peter J. D'Arruda — Coach Pete — is a fiduciary advisor and the founder of Capital Financial. For more than thirty-two years he has helped families near retirement turn their savings into income they cannot outlive, with straight answers and no pressure. He is a retirement and tax strategist and the host of The Financial Safari® radio and television program.
He co-authored Successonomics with Steve Forbes, sits on the Forbes Leadership Council, and is a two-time president of the International Association of Registered Financial Consultants. His message has not changed in three decades.
Certainty, not probability.
Sessions happen in the office, by phone, or on video. You do not have to be near one of these to sit down with us.
Book your Plan Once – Plan for Life™ Session. We send the book free and build your plan with you — once, for life.
800-661-7383Mon–Fri, 9–6 ET
No cost. No obligation. No pressure — ever.