Thrive Retirement Specialists

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You’re Age 50+

You have over $1 Million in retirement savings.

But you have questions...

How do I convert my savings into a retirement paycheck?

How can I cut my lifetime tax bill?

How should I be invested for retirement?

It’s a tragedy to live a smaller life in retirement than you have to.

You deserve better than a conventional plan that leads to a conventional retirement. Sacrifice less and spend confidently in retirement with a personalized plan rooted in time-tested principles and the latest research.

Loving mid aged Couple In Countryside

Make the most of your retirement so you can soak up every bit of what brings you joy and meaning.

Say goodbye to status quo retirement plans that are static and detached from reality. Our retirement specialists help fund your ideal retirement with an adaptive retirement plan designed for your day-to-day life.

Understand your full spectrum of retirement spending options

Understand your full spectrum of retirement spending level options and tradeoffs

Build a plan that can handle life’s curve balls

Build a plan able to handle life’s unavoidable curve balls

Rethinking Retirement Planning. For the Real World.

 
 

Conventional Approach

Our “Reality-Based” Approach

TAX PLANNING

Typically confined to tax loss harvesting

Project taxes annually, seeking to minimize your lifetime tax bill through Roth IRA conversions, withdrawal sequencing, asset location, and of course…tax loss harvesting

INVESTMENT MANAGEMENT

Often high cost and overly complex to justify fee

Logical, transparent, and academically grounded using low-cost index funds

RISK MANAGEMENT

Asset allocation between stocks and bonds

Asset allocation PLUS active sequence of returns risk management, income laddering/flooring, and total risk-based spending guardrails

PLAN ADAPTABILITY

NO - One-time probability of pass or fail test

YES - Incorporates reality and adjusts real-time, keeping you on track and maximizing sustainable spending

ADVISOR CONTINUITY

Revolving door of employee advisors

Advisor-owned firm, with you for the long haul

FIDUCIARY

Maybe

YES

PRICING

% of investments, commissions, and/or ala carte

Single all-in-one FLAT-FEE financial advisor for everyone.

How a Flat-Fee Financial Advisor Works

As flat-fee financial advisors, we work differently from traditional advisors who charge a percentage of your assets. Instead, we offer a straightforward, flat fee for the services we provide. 

Here are 3 simple ways this can benefit your portfolio and retirement plan: 
 

 

Fixed Pricing for Transparent Service

A flat-fee financial advisor charges a fixed rate for their services—no commissions, no hidden fees, and no fluctuating costs based on your portfolio's performance. You’ll always know exactly what you're paying for.

 

Unbiased Advice Focused on Your Goals

Unlike advisors who earn a percentage of assets under management (AUM), a flat-fee financial advisor is a great option for retirees because they're focused solely on creating the best retirement plan for you. There’s no incentive to push specific products or grow your portfolio for their benefit.

 

Cost-Effective Retirement Planning

With a flat-fee structure, you get objective, comprehensive advice tailored to helping you maximize your quality of life in retirement. In the long run, this can save you money, as you're not paying a percentage of your growing assets year after year.


By choosing a flat-fee financial advisor like Thrive Retirement Specialists, you're opting for clarity, control, and cost-effectiveness, giving you peace of mind as you plan for retirement.

What Our Clients Say

“We recently transferred our retirement savings to Thrive and have been working with Mike for several months. He has been nothing but exemplary and is always willing to answer our questions, whether it be a video call or through email. Mike is great at explaining details regarding our retirement plan and how it ties into our own personal values. Because of this holistic approach when creating our personalized plan, I am more comfortable with my financial situation. I highly recommend Thrive Retirement Specialists.” – Paula

“My wife and I have been working with Mike at Thrive Retirement and couldn't be more pleased. He is a fiduciary and takes that seriously. He has become a trusted friend; someone we can reach out to if we have a question or concern. The approach they take is more comprehensive than most other financial planners. If you are looking for someone to help you through the retirement transition, give them a call. You will be impressed.” – Timothy


“It’s been a pleasure working with Tony! He is very responsive and spent a lot of time and effort tailoring a retirement plan just for us. His approach to retirement planning is very comprehensive and he has provided some great information about tax savings strategies that I had never considered. His retirement savings and spending software tools are great for getting comfortable with how we are going to source our retirement spending and how much confidence we can have that we won’t outlive our savings.” – David

“I learned more in my 3 pre meetings than the several years I have spent educating myself. I am so excited about their methodology and process of creating financial security and health. Looking forward to a long relationship together. Anthony is the best!” – Tracy

“One saves for retirement for years but when it comes to retiring and using this savings it is not so easy. Tony helped us set up a plan and helped us though this difficult process. He is aware of so many opportunities that we can take advantage of to enhance our portfolio and ensure we don’t run out of money. We have really appreciated his insight and knowledge.” – Diana

"I have been happily working with Mike Nemick and receiving outstanding service from him, for over 10 years. Mike is the absolute best in the financial business. His in depth knowledge, experience, and sincerity is one in a million. I feel extremely fortunate to have met Mike and will continue to have a healthy financial portfolio and relationship with him, for as long as I am able! I would highly recommend Mike Nemick to everyone who is in need of phenomenally detailed-oriented financial services. Mike’s friendly and helpful personality is an added bonus.” – Kristin

"I was one of Thrive's first clients and my experience working with Tony for many years now could not have been better. His approach is always anchored in meeting our specific family goals, his planning involves comprehensive modeling of possible scenarios, everything he does is shared and explained in detail, and I always feel like we are collaborating in managing our retirement plan. Tony is very responsive to any inquiries or requests from me, not just relying on scheduled meetings, and proactive about contacting me if anything comes up that needs attention. Outstanding service, excellent results, great company and people. Highly recommended.” – Stephen

"We have been working with Tony at ThriveRetire for almost 2 years. Prior to this I had vetted over a dozen companies. We felt that he provided much value for our money, as well as education, honesty, and experience. We feel very confident that he will take us through our retirement with respect and grace.” – Barbara

"I began searching for a fee only advisor after several years of progressive disillusionment with the assets under management advisor model. In addition, I was looking for an advisor with insight and expertise in retirement planning. I interviewed several advisors / firms and chose Tony based upon his passion for his work, his strategy of dynamic withdrawal rules in conjunction with evidence based, low-cost index investing, and most importantly his answers to my key questions. So fast forward nearly 2 years, and I can comfortably and confidently say that he's met and exceeded my expectations in all the areas that concerned me the most.” – Doug

"We have had several financial advisors over the years with different approaches but we really like how Tony looks at the whole picture and considers the tax consequences of all decisions. It is evident that he is passionate about his work by listening to the intricacies of his financial plan and the time he dedicates to explaining his recommendations. Even though there has been a learning curve for me at times, he is very patient and I can tell that he really wants his clients to be comfortable in his approach. He provides insight to the pros and cons of various decisions. He is down to earth, very approachable and I trust that he always has our best interest at hand. I'm so happy we made the move.” – Susan

"My wife and I have had the pleasure of knowing Tony and Mike of Thrive Retirement Specialists for over a decade. Besides not exhausting our retirement assets, we wanted to free up our time for the activities we enjoy the most, and to reduce all possible stress in our lives so that we can enjoy our retirement years more fully. At times we get emotional versus rational and tend to want to employ market timing, or to take withdrawals of a lesser amount than those we can safely afford. Thrive Retirement Specialists do a fantastic job of protecting us from psychological investment pitfalls that we occasionally lean toward and that would likely compromise our retirement objectives if we were not attaining their valuable advice. We have absolute trust and complete confidence in Thrive Retirement Specialists.” – Steve

Complimentary Thrive Assessment Working With Us