Comprehensive Retirement Planning for Women 55+ in Southwest Florida

The Long Run Retirement Method — built for the decades ahead, not just the starting line.

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CFP® Professional

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CFP® Professional

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Enrolled Agent

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Fee-Only

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Fiduciary

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NAPFA Member

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25 Years of Experience

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No Commissions

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No Conflicts

One Plan. One Advisor. Everything Connected.

Most women approaching retirement have the pieces — a 401(k), a brokerage account, Social Security decisions looming, a tax situation nobody has fully explained. What they rarely have is someone who has looked at all of it at once and built a strategy that makes those pieces work together.


That's what comprehensive retirement planning actually means. Not a one-time document. Not a portfolio review with a side conversation about taxes. A coordinated, ongoing relationship built around every dimension of your retirement — income, investments, taxes, healthcare, estate, and the life decisions that don't fit neatly into a spreadsheet.


At Purposeful Money, that relationship is structured around the Long Run Retirement Method.

What Is the Long Run Retirement Method?

The Long Run Retirement Method is Purposeful Money's framework for comprehensive retirement planning — designed specifically for women 55+ who want a retirement strategy built to last decades, not quarters.


It's not a product. It's not a portfolio model. It's a structured, ongoing advisory relationship that connects every meaningful piece of your financial life into one coherent plan — and keeps that plan updated as your life changes.


The method is built on three principles:

  • Everything is connected. Income, taxes, investments, and estate decisions don't live in separate boxes. Changes in one affect all the others. The Long Run Retirement Method treats them as the integrated system they are.
  • Retirement is long. A retirement that begins at 62 may need to fund 30 or more years of life. The planning has to account for inflation, healthcare costs, longevity risk, and the life you want to live — not just the life you're living right now.
  • Planning is ongoing. Your retirement will change. Markets shift. Tax laws change. Health, family, and priorities evolve. A plan built once and left alone is not a retirement plan — it's a starting point that's already out of date.
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What Comprehensive Retirement Planning Includes

Retirement Income Planning

Building a strategy for turning savings into reliable income — one that sequences withdrawals, accounts for Social Security timing, manages RMDs, and keeps taxes in mind at every step.

Investment Management

Aligning your portfolio with your income needs, your risk tolerance, and your timeline. Not a generic allocation — a strategy built specifically for the decades ahead.

Tax Planning and Preparation

Integrated tax strategy and hands-on tax preparation from a CFP® who is also an Enrolled Agent. Social Security taxation, Roth conversions, capital gains, RMD planning — all coordinated with your retirement income strategy, not handled separately.

Social Security and Medicare Guidance

Claiming strategy, benefit coordination, Medicare enrollment timing, and how Social Security fits into your broader income plan.

Estate Coordination

Reviewing beneficiary designations, coordinating with your estate attorney, and making sure your financial plan reflects your wishes — without gaps between your advisor and your legal documents.

Life Decisions Support

Retirement isn't only financial. Decisions about where to live, whether to sell a home, how to support family members, or how to navigate a major transition are part of the planning relationship — not outside it.

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How the Long Run Retirement Method Works

Step 1:

Your Learn More Call

A no-pressure conversation about where you are, what you're facing, and whether Purposeful Money is the right fit. No pitch. No obligation.

Step 2:

Financial Strength Check

A comprehensive review of your full retirement picture — income sources, investments, tax situation, cash flow, Social Security options, estate basics, and healthcare costs. This is where the gaps become visible and the planning begins.

Step 3:

Your Retirement Plan

A coordinated strategy that brings your income, investments, taxes, and life goals into one plan — built for the long run, written in plain English, and explained until it makes sense.

Step 4:

Ongoing Partnership — PACE Reviews and Mile Marker Check-Ins

Retirement planning isn't a one-time event. The Long Run Retirement Method includes structured, ongoing guidance through two formats:


PACE Reviews are comprehensive annual reviews of your Purpose, Assets, Cash Flow, and Endurance — ensuring every piece of your retirement picture stays coordinated as your life evolves.


Mile Marker Check-Ins are periodic touchpoints throughout the year for life events, market shifts, tax law changes, or anything else that warrants a conversation before the next annual review.

Who the Long Run Retirement Method Is Built For

  • Women age 55+, within five years of retirement or already retired
  • Households with $1.5 million or more in investable assets
  • Women who want retirement planning, investment management, and tax strategy in one coordinated relationship
  • Anyone who had a financial plan done years ago and knows it's no longer accurate
  • Women navigating a major transition — a divorce, a loss, an inheritance, a move to Southwest Florida


This is not a one-time planning engagement. The Long Run Retirement Method is an ongoing advisory relationship — because a retirement that lasts decades needs a plan that keeps up.

Why Comprehensive Retirement Planning Requires More Than a Portfolio Manager

Most financial advisors manage investments. Fewer build retirement income plans. Almost none also prepare your taxes.


I hold both the CFP® designation and the Enrolled Agent credential — a combination that allows me to connect your investment strategy and your tax strategy in the same relationship, with the same advisor, at the same table. For women in Southwest Florida with significant assets, that integration is what makes the difference between a plan that looks good and a plan that actually works.


As a fee-only fiduciary and NAPFA member, I earn no commissions on any product. My compensation comes directly from you — which means every recommendation I make is made because it's right for your retirement, not because it pays me.

Ready to Build a Retirement Plan That Lasts as Long as You Do?

You've worked too hard and saved too carefully to leave the next 30 years to chance. If you're a woman 55+ in Southwest Florida looking for comprehensive retirement planning that connects income, investments, taxes, and life — let's start with a conversation.

Questions About Comprehensive Retirement Planning in Southwest Florida

  • What does comprehensive retirement planning actually include?

    At Purposeful Money, it includes retirement income planning, investment management, tax planning and preparation, Social Security and Medicare guidance, estate coordination, and support for major life decisions — all handled in one ongoing advisory relationship, not separate appointments with separate advisors.

  • What is the Long Run Retirement Method?

    The Long Run Retirement Method is Purposeful Money's framework for retirement planning built to last decades. It connects income, taxes, investments, and life planning into a single coordinated strategy — and keeps that strategy updated through structured annual reviews and periodic check-ins as your life evolves.

  • How is this different from a one-time financial plan?

    A one-time plan reflects your situation on the day it was written. The Long Run Retirement Method is an ongoing relationship — updated annually through PACE Reviews and adjusted throughout the year through Mile Marker Check-Ins whenever your life or the tax landscape changes.

  • What is a PACE Review?

    A PACE Review is an annual comprehensive review of your Plan, Assets, Cash flow, and Estate. It's the structured touchpoint that keeps every piece of your retirement picture coordinated year over year.

  • How do I find a retirement planner for women over 55 in Southwest Florida?

    Look for a fee-only fiduciary with credentials that go beyond a standard license — ideally a CFP® who also holds an Enrolled Agent designation, so retirement income planning and tax strategy can happen in the same relationship. If you're in Southwest Florida and approaching or living in retirement, I'd be glad to start with a conversation.

  • Do I need to live in Southwest Florida to work with Purposeful Money?

    No. Purposeful Money is based in Naples and serves clients across Southwest Florida as well as virtually nationwide. Many clients are seasonal residents or have relocated and work with Erin entirely online.