Retirement planning · Jay Marshall, CFP®
Retire with a plan you actually understand.
Turn your savings, pension and Social Security into a clear, written retirement plan, explained in plain words by a CERTIFIED FINANCIAL PLANNER™ professional who has time for you.
- Complimentary first conversation
- No account minimum
- Clear hourly fees, told up front
- A written plan in plain words
Jay Marshall, CFP®You talk with me directly, from the first call on.
Book your complimentary conversation
Pick a day and time. No cost, no obligation, no sales pitch.
Sound familiar?
The questions that keep people up at night
If any of these are on your mind, you’re exactly who I built New Leaf for.
“Will my money last as long as I do?”
“When should I take Social Security, and what about my spouse?”
“I own an annuity and I’m not sure what it does.”
“My advisor doesn’t return my calls. I feel too small to matter.”
“I have a pension and a 403(b), and I don’t know how they fit together.”
“If something happens to me, will my spouse be okay?”
What you walk away with
Clarity you can hold in your hand
Not a sales pitch, and not a pile of jargon. A written plan in plain words that you and your family can follow.
Plain answers about cost.
Planning is $250 an hour, and most plans take 5 to 10 hours. You’ll know what you would pay, and how I’m paid, before you decide anything. How I’m paid
- Your entire picture in one reportIncome, spending, savings and debts, finally in one place.
- A retirement income planWhere each month’s income comes from, and in what order to draw on your accounts.
- Your Social Security choices, comparedClaiming ages for you and your spouse, side by side, so you can decide with confidence.
- A plan for the “what ifs”Market drops, health costs and the people you want to take care of.
Meet Jay
I know what it’s like to be told you’re too small to bother with.
As a young man without much money, I found most advisors had little time for someone like me. So I taught myself, became a CERTIFIED FINANCIAL PLANNER™ professional, and built New Leaf for people in the same spot.
Who I help
Real attention, whatever the size of your account
Find the page that sounds like you.
Nearing retirement
Five to ten years out, with big decisions ahead.
Read moreAlready retired
Keeping your income steady and your affairs in order.
Read moreEducators and clergy
Teachers, professors, ministers and nonprofit staff.
Read moreOverlooked by other advisors
Modest savings, and real questions that deserve real attention.
Read more
Start here
What’s your money story?
Are you a “save it for a rainy day” person, or does “spend it if you have it” sound more like you? Six plain questions, a warm read on your money style, and no pressure.
A good plan helps you
- Investas well asSave
- Planas well asDream
- Monitoras well asImplement
What a plan can cover
Services
Every plan starts with an honest look at cash flow, debt and what you own. From there, it covers what you need, and nothing you don’t.
Retirement income
How your savings, pensions and benefits can become a steady monthly income.
Learn moreSocial Security timing
When to claim, and how that choice fits with the rest of your income.
Learn moreAnnuities and insurance
What they are, when they fit and when they don’t, and how I’m paid on them.
Learn moreInvestments and risk
A mix that matches how much up and down you can live with.
Learn moreBudget and cash flow
Where the money comes from, where it goes, and what you’d like to change.
Learn moreTaxes in your plan
Which accounts to draw from first, with your tax professional.
Learn moreLegacy and family
Beneficiaries, wills and trusts kept in step with your plan.
Learn moreA second opinion
A plain look at a plan, advisor or annuity you already have.
Learn more
How we begin
Three unhurried steps
Around a table, in plain words, at your pace. You’ll leave every meeting knowing more about your own money than when you came in.
A complimentary conversation
We talk about what’s on your mind and whether New Leaf is a good match. No cost, no obligation.
I listen and learn
Your goals and worries first. Then your resources, so the plan fits your priorities and what you have.
A clear path forward
A plan you can follow, carried out by you or together with me, and checked each year.
Knowledge is power. I want you to understand how your money works, so you can weigh your options with confidence.Jay Marshall, CFP®
Good questions to ask any planner
Does the first conversation cost anything?
No. It’s complimentary: a conversation, not a sales meeting: we talk about what is on your mind and whether working together makes sense. No cost and no obligation.
How are you paid?
Planning is $250 an hour, and most plans take 5 to 10 hours. If you buy an annuity or insurance policy through me, the insurance company pays me a commission, and I often waive my hourly charges. I always tell you before you decide. More on fees
Do I need a lot of money to work with you?
No. I started New Leaf for people other advisors pass over.
Can we meet by phone or video?
Yes. We can meet by video call or in person at my home office.
Complimentary checklist
13 questions to answer before you retire
Social Security timing, pensions, which accounts to draw from first, health costs and who handles things if you can’t. The questions Jay would want you to have thought through, in plain words.
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Ready to turn over a new leaf?
Start with a conversation. It’s complimentary, it’s unhurried, and you’ll leave knowing whether a plan makes sense for you.
CFP® professional · No account minimum · Fees explained before you decide