Does this sound like you?
Whether retirement is on the horizon or already underway, some of these may sound familiar.
How much can I afford to spend, and when?
You want to know how much you can spend throughout retirement and how retiring sooner or later changes the picture.
I want to see how my whole financial picture fits together.
You want one clear view of how your savings, investments, Social Security, taxes, and healthcare fit together.
How do I balance my portfolio between growth and protection?
You want long-term growth while managing the risk that market declines could disrupt your retirement plans.
How can I minimize taxes throughout retirement?
Coordinate withdrawals, Roth conversions, charitable giving, asset location, and Medicare premiums to help reduce your lifetime tax bill.
When should I take Social Security?
You want to choose when to claim Social Security based on your income needs, health, and family circumstances.
How will I cover healthcare in retirement?
You want a plan that accounts for healthcare costs before Medicare, through the transition, and throughout retirement.
How much is enough?
You want to know your retirement number: how much you need to retire comfortably and stay financially independent.
I want the confidence to go from saving to spending.
You’ve spent years building your assets. Now you want to enjoy them with peace of mind.
Can I retire, help my family, and still afford the extras?
You want room for helping loved ones, travel, home projects, and unexpected costs without putting your retirement at risk.
I want my spouse to be prepared when I’m gone or can no longer manage our finances.
You want your spouse prepared to manage the finances, understand the plan, and know whom to turn to.
I want advice from someone who isn’t paid to sell me products.
You want a planner paid to build around your goals, without product commissions, sales bonuses, or product-linked payments.
I want to spend less time managing my finances and more time enjoying my life.
You want someone you trust to handle the details and help you stay on track.
I want a plan that changes with me.
Your priorities, health, and family circumstances can change. You want a plan that can adapt along the way.
Let’s talk through what’s on your mind.
Talk with PetePete Shammas, CFP®
Pete is a CERTIFIED FINANCIAL PLANNER™ professional who has helped thousands of clients with their retirement plans in over a decade.
Pete built Shammas Financial Planning around one goal: creating the best retirement plans he can for the people he serves. Every choice, from operating independently and using a fee-only model to earning his CFP® certification and hand-selecting his planning tools, reflects that commitment.
He originally chose this career path after watching finances get in the way of relationships and the success of other important parts of life. So, his ultimate goal is to help you achieve financial independence and peace of mind.
Outside of work, he enjoys exploring the great outdoors, watching sports and spending time with his friends and family.
Call, email, text or schedule time with Pete at your convenience: Peter@ShammasFP.com, 910-302-6525.
Process
Organize
We’ll start by gathering your financial details, clarifying what matters most to you, and understanding your preferences.
Commit
Before committing to paying for anything, we’ll define the scope and price of the work.
Analyze
I’ll run the numbers, share clear projections of what’s possible, and help you choose the path that feels right for you.
Plan
I’ll share written recommendations for you to review before we meet to discuss, refine, and finalize your plan.
Implement
We make any adjustments needed to put your plan into action!
Monitor
We’ll keep an eye on your plan, make adjustments as needed and as preferences and/or priorities change.
Price
$349/hr
Once I understand your needs and goals, we’ll agree on a final price based on the estimated amount of time needed. Our price then becomes fixed, incentivizing you to maximize the value of my services.
$100
A one time evaluation of your current financial investments and/or plan. I’ll review your plan, cost and performance to provide you with a clear and honest understanding of what you have.
Why ShammasFP
I built Shammas Financial Planning around one goal: helping you make the most of what you’ve saved and feel confident about the years ahead.
Retirement planning is the focus
How much can you spend, when can you retire, and what might need to change along the way? I build your plan around those decisions and the life you want to live.
Your whole financial picture, connected
Your investments, withdrawals, taxes, Social Security, and healthcare affect one another. I bring them together so each decision supports the rest of your plan.
Thorough analysis. Clear explanations.
I use research and carefully selected planning tools to compare strategies and test assumptions. You’ll see what’s possible, understand the tradeoffs, and know why I recommend a particular approach.
A plan you can put into practice
You receive clear written recommendations and help working through the next steps. With ongoing planning, we revisit your plan as your life, priorities, and circumstances change.
Independent by design
I’m not tied to a particular company’s products or a proprietary investment lineup. That gives me the freedom to evaluate a broad range of options and recommend what fits your plan.
Fee-only planning
You work directly with me. I’m paid by my clients, without commissions or compensation tied to the products I recommend.
Talk with Pete
Have a question about retirement or want to talk through your next step? Reach out by phone or email, or choose a time to meet.
Supporting clients nationally in all 50 states