Andrew Scheffer
Fee-Only Fiduciary · Wharton MBA
Core Planning, LLC · Scarsdale, NY
The Retirement Blueprint

See your retirement on one page.

Most people nearing retirement aren't asking "Do I have enough?"
They're asking "Can I actually spend it?"

I'm Andrew Scheffer, a fee-only fiduciary financial planner. I build a clear plan for the next 5 years, the next 10, and beyond, so the life you live today doesn't depend on what the market does this year.

Book My Financial Clarity Call

Complimentary · 30 minutes on Zoom · No products. No commissions.

The questions behind the question

"Enough" is the easy part.

The harder questions are about spending, timing and the people you love. A balance on a statement can't answer them.

What happens if the market drops?
Can I help my kids?
Am I going to regret retiring too early?
How much can I actually spend this year?
Why it's hard to answer

Your investments are only one part of the picture.

Every piece below affects the others. Most people have looked at them one at a time and never put them side by side.

InvestmentsWhat you own, and when you'll need it
TaxesWhich account to draw from, and in what order
Social SecurityWhen to claim, and how it fits the rest
Health careCoverage before Medicare, and costs after
Cash flowWhat comes in, what goes out, month by month
EstateWhat you leave, to whom, and how
And the question underneath all of itWhat do you actually want the next chapter of your life to look like?
The Retirement Blueprint

Three time horizons. One page.

We map what you need in each period, so you know which dollars are for spending soon and which have time to grow.

1–5

The next five years

Your lifestyle, the big near-term decisions, and money set aside to cover them.

6–10

The next ten

Tax planning, Social Security timing, and what changes as your life does.

10+

And beyond

Long-term growth, health care, and what you want to leave behind.

"The goal isn't to predict the future. It's to build enough structure that you don't have to." No plan removes market risk. A plan with room built in gives you more options when a hard year comes.

How it works

Two conversations. Then you decide.

1

Financial Clarity Call

30 minutes on Zoom. I ask about your life: what you're working toward, what worries you, what you want next. Nothing to prepare.

2

Share your statements

If we both think it makes sense, you upload a few statements through a secure link. Ballpark numbers are fine to start.

3

Findings and top actions

We meet again. I show you what I see and the most important next steps, in order.

✓

You decide

Work with me, take the ideas elsewhere, or do nothing. No pressure either way.

AS
Who you'll talk to

Andrew Scheffer

I'm a fee-only fiduciary financial planner. That means I give real financial planning and investment advice, I'm paid directly by the people I work with, and I don't earn commissions for selling anything.

I've spent more than 25 years advising families, in New York, California and Singapore. I've also practiced meditation for over three decades. That's why these conversations are calm and unhurried. I listen first and talk about money second, because the money only makes sense in the context of your life.

I also act as your quarterback. I work with your CPA and your estate attorney, so you have one person who sees the whole picture.

  • Fee-only fiduciary
  • Wharton MBA
  • 25+ years advising clients
  • No commissions, no products
About the call

What this call is, and what it isn't.

It is

  • A 30-minute conversation on Zoom
  • About your life first, then your money
  • An honest look at whether the two line up
  • Complimentary

It isn't

  • A sales pitch
  • A request to move or sign anything
  • A decision you have to make on the spot
  • Homework

Let's build your blueprint.

Start with a 30-minute Financial Clarity Call. You'll leave with a clearer picture than you came in with, whether or not we work together.

Book My Financial Clarity Call

Complimentary · 30 minutes on Zoom · Text confirmation from (914) 768-1156

Andrew Scheffer · Fee-Only Fiduciary · Scarsdale, NY

Advisory services are offered through Core Planning, LLC, an SEC-registered investment adviser. Registration with the SEC does not imply a certain level of skill or training.

This page is for informational purposes only and is not an offer or solicitation to buy or sell any security. The Financial Clarity Call is complimentary and carries no obligation. Nothing on this page is a guarantee of future results. All investing involves risk, including possible loss of principal. Planning does not eliminate market risk.

Additional information, including Form ADV Part 2A, is available on request or at adviserinfo.sec.gov.