Finally... a comprehensive retirement plan that gives you confidence and clarity- without moving your money.

Go from Retirement Uncertainty to Complete Clarity in days, not months- without Confusion, Conflicting Advice, or wasting hours trying to piece it all together yourself.

Ready to get Clarity about your Retirement?

The Retirement Time Machine™ is a personalized, one-on-one financial planning process that connects every part of your retirement- cash flow, taxes, Social Security, healthcare and more- into one clear, cohesive plan.

You'll finally see where you stand, what's possible, and what to do next.

Why Planning Your Retirement Feels So Confusing

Let's be honest, retirement planning isn't simple anymore.

Between taxes, investments, Social Security, healthcare, and hundreds of "expert" opinions online, it can feel like you're trying to put together a puzzle without knowing what the picture on the box looks like.

You've probably done all the right things- saved money, contributed to your 401K, maybe even met with a few advisors.

But when it comes to turning that savings into a clear plan for income, taxes, and spending, everything suddenly gets complicated.

Maybe you've tried to figure it out with a spreadsheet or online calculator.

Maybe you've talked to an advisor who was more interested in managing your portfolio than helping you plan your future.

Or maybe you're gathering bits of advice from friends, family, and podcasts, and none of it quite fits together.

It's no wonder so many smart, successful people feel stuck when they think about retirement.

The problem isn't you — it's the system.

Traditional financial advice focuses on products and investments. What's missing is a clear, personalized plan that ties everything together — your income, your taxes, your healthcare, your lifestyle.

That's where we come in.

At Money Evolution, we've been helping people plan their retirements for over 30 years. In just the last few years alone, we've worked with more than 300 individuals and families to help them build a clear, actionable retirement plan.

I founded Money Evolution to do things differently — to create standalone financial plans that aren't tied to where you invest your money, so you can get customized advice and the clarity you deserve.

How the Retirement Time Machine Works

You don't need another investment pitch or a stack of confusing reports. You need a process that helps you see the big picture, understand your options, and take action with confidence.

Here's how we make that happen:

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Step 1: Schedule Your Free Intro Call

We’ll start with a short conversation to learn about you— what’s most important, what you’re worried about, and what retirement looks like for you.
We’ll also walk you through how the Retirement Time Machine works and make sure it’s a good fit for your situation.

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Step 2: Build Your Personalized Plan

You’ll complete a simple FactFinder that gives us the key details we need.
Then, we do all the heavy lifting- organizing your income, assets, taxes, and benefits into one cohesive plan.
We’ll meet one-on-one to review your results, answer your biggest questions, and show you what’s possible.

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Step 3: Get Clarity and Confidence About Your Future

You’ll walk away with a complete, personalized retirement plan that shows exactly where you stand, when you can retire, and how to make your income last.
You’ll know what steps to take next— and you’ll finally have the clarity and confidence you’ve been looking for.

Ready to see what your retirement plan could look like?

Let's take the first step toward bringing clarity to your retirement.

Why Having a Plan Matters

Planning for retirement can feel overwhelming - and you're not alone. Most people were never taught how to connect all the moving parts: income, taxes, investments, healthcare. That's why uncertainty lingers even when you've done everything right.

Now imagine a different feeling: knowing exactly where your income will come from, how your taxes fit in, and that your plan is built to last. That's the confidence a coordinated plan brings.

It's completely free- and could change the way you think about your retirement forever.

What You'll Get Inside the Retirement Time Machine

Your plan combines personal guidance, advanced planning technology, and ongoing support— everything you need to move from uncertainty to clarity and confidence about your retirement.

Personalized Planning Sessions

Meet with our team one-on-one on Zoom- a 90-minute plan presentation and a one-hour follow-up to refine your strategy. Together, we'll connect the dots between your income, taxes, Social Security, and investments- so every decision works together instead of against each other. You'll finally see how each move impacts the rest of your plan, helping you avoid costly surprises and make confident, informed choices.
Clear Written Summaries

After each meeting, you'll receive a detailed written summary highlighting your action items, next steps, and key recommendations. No more trying to remember what to do- everything is outlined in plain English so you can take action with confidence.
Ongoing Support

For the next 12 months, you'll have access to weekly office-hour sessions- short, one-on-one Zoom calls where you can ask questions, get help understanding your plan, or explore "what-if" scenarios. You'll never feel stuck or alone as you move forward with your plan.
On Demand Learning

You'll have lifetime access to the Retirement Time Machine Video Library, where you can dive deeper into key topics like taxes, cash flow, and Social Security. Instead of relying on random advice online, you'll always have an experienced source for answers that align with your plan.
Advanced Planning Tools

Your secure eMoney Client Portal gives you 24/7 access to your entire financial picture. Model new scenarios, track progress, and see instantly how each decision affects your income, taxes, and long term outlook.

What We'll Work On Together

Every plan is customized to your goals and priorities, but here's what we'll help you clarify:

Income & Cash Flow Planning – Identify your predictable income sources, pinpoint any gaps, and map out a withdrawal strategy so you always know exactly where your money is coming from each year.
Tax & Roth Strategies – Explore ways to minimize lifetime taxes and create flexibility through strategic Roth conversions and smart bracket management.
Social Security Optimization – Coordinate timing and spousal strategies to make the most of your benefits and avoid locking into a sub-optimal claiming path.
Healthcare & Lifestyle Planning – Prepare for healthcare costs, Medicare decisions, and lifestyle shifts so you can retire on your terms without any unpleasant surprises.
Action Plan & Roadmap – Walk away with a clear, prioritized roadmap outlining what to do, when to do it, and how each step fits into your larger plan.

You've Worked Too Hard to Leave Your Retirement to Chance

If you're ready to stop wondering whether you're on the right track, let's talk. Your free introductory call will help you understand what's possible and how we can bring all the pieces of your retirement together — clearly and confidently.

About Bill Lethemon

I’m Bill Lethemon, and for over 30 years I’ve been helping people turn retirement confusion into confidence through comprehensive financial planning. My goal is simple: provide the guidance and tools you need to create the retirement you’ve always imagined.

I believe everyone needs a financial plan, but unfortunately, finding truly independent planning can be hard. That’s why we created Money Evolution – to provide standalone financial planning that’s not tied to where you invest your money. Everyone deserves clear, actionable guidance that focuses on what really matters: your goals, your dreams, and your future.

Disclosures

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.

Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. Financial planning offered through Money Evolution LLC, a registered investment advisor and a separate entity from LPL Financial.

This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material. No strategy assures success or protects against loss.

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Copyright Money Evolution – 2025 – All Rights Reserved. Financial Planning Services offered through Money Evolution LLC, a Michigan Based Registered Investment Advisor and separate entity from LPL. Investment management associated with this site may only discuss and/or transact securities business with residents of the following states: Securities: AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KY, MA, MD, MI, MS, NC, OH, SC, TX, VA, WA, WI Insurance: FL, MA, MI, TX and WA. Securities and Advisory services offered through LPL Financial, a registered investment advisor. Member FINRA & SIPC Check the background of investment professional associated with this site on FINRA Brokercheck