Your Retirement Plan Starts With One Conversation
A Free, No-Pressure Intro Call With Joseph Carbone, CFP®
You’ve spent years saving. Now you want to know if it’s enough, how to turn it into income, and how to keep more of it away from taxes. Pick a time below and let’s talk it through. You don’t need to prepare anything.
What to Expect on Your Call
A relaxed conversation. We’ll talk about where you are today and what you want retirement to look like.
Straight answers. I’ll answer your questions and tell you what I’d focus on first.
No pressure. If we’re not the right fit, I’ll point you in the right direction.
How Working With Us Works
Three simple steps, and you decide at every point whether to keep going.
Start Here
Your Free Intro Call
A relaxed conversation about where you are and what you want retirement to look like. I’ll answer your questions and we’ll see if working together makes sense.
Your First 90 Days
Your Focus on Retirement Blueprint
If we’re a good fit, we build your plan one topic at a time: a Rough Cut meeting to see the big picture, six short projects, and a one-page financial plan. It typically takes about 90 days.
Every Year
Ongoing Guidance
With full service, we manage your investments at Charles Schwab, coordinate your tax planning each year, and update your plan as your life changes. Prefer to run your plan yourself? Hourly planning is there when you want a second opinion.
Pick a Time for Your Free Intro Call
Choose a day and time that works for you. You’ll get a confirmation email with everything you need.
What Clients Say
★★★★★
Great experience with Joe
“I was looking for an advisor to help me with a retirement withdrawal plan and trying to avoid a hard sell for investments or packaged services I didn’t need. Joe was responsive, very knowledgeable, and gave me just what I needed and nothing more. It’s been a pleasure dealing with Joe.”
★★★★★
A GREAT CHOICE
“I was searching for a financial planner and unlike the other individuals I met with, Joe and I clicked. He was straight forward, responsive to my questions, and was genuinely interested in assisting me. Joe is responsive to my inquiries and calls and, I am pleased with his services.”
★★★★★
Detailed professional
“Joe did an amazing job on my complicated military retirement, thrift savings plan, current investments stocks/IRA’s and real estate portfolio. Wouldn’t trust any other person with my future. If you need an advisor Joes your guy.”
Read all of our client reviews
These testimonials were provided by current Focus Planning Group clients and may not be representative of the experiences of other clients. The clients were not compensated, nor are there material conflicts of interest that would affect the given testimonials.
Frequently Asked Questions
Are you a fiduciary?
Yes. Focus Planning Group, LLC is an SEC-registered investment advisor, so we’re legally and ethically required to act in your best interest.
What does it cost to work with you?
Full service starts at 1% per year and goes down as your assets go up, with a $250,000 starting point. The Blueprint is included with full service. On its own, it’s a one-time $3,750. Hourly planning is $300 per hour. See our fees page.
Where would my investments be held?
At Charles Schwab, our third-party custodian. Your accounts are in your name, and Schwab holds and safeguards them.
Who will I actually work with?
You work directly with me from your first call through every meeting after. You’re never handed off to a junior advisor.
Do I have to live on Long Island?
No. We’re based in Bayport, New York, and we work with clients virtually across the country.
What if I just want a second opinion?
That’s what hourly and flat-fee planning is for. Book the intro call and we’ll figure out which option fits you best.
Not Ready to Talk Yet?
Start with my free video series instead.
Free Video Series
Get video one today
One short video a day for four days on financial planning for retirement. Also, there’s no pressure, no sales pitch, and you can unsubscribe anytime.