Retirement Time Machine™
Finally. A Retirement Plan That Tells You
Exactly What to Do With Your Money,
Not Just Where to Put It.
Without confusion, conflicting advice, or moving your money
A personalized, one on one planning process that connects your income, taxes, Roth strategy, Social Security, and healthcare into one clear, cohesive plan. Go from uncertainty to complete clarity in days, not months.
$2,900 flat fee 30+ years experience
You've Done Everything Right.
So Why Doesn't It All Add Up?
You've saved. You've contributed to your 401(k). You may even work with a financial advisor. But when it comes to turning what you've built into a clear, coordinated plan for income, taxes, and spending, everything suddenly gets complicated.
Retirement planning today can feel like trying to put together a puzzle without knowing what the picture on the box looks like. Between taxes, investments, Social Security, healthcare, and hundreds of competing opinions online, it's no wonder so many smart, successful people feel stuck.
Roth strategy isn't just about moving money. It's about understanding your future tax brackets, your RMDs, and your Social Security income to find the window where conversions make the most sense for your specific situation. Many advisors never model this.
There's a real difference between portfolio management and retirement planning. If every meeting is about investment performance and nobody's discussing withdrawal sequencing, tax strategy, or income coordination, you have a money manager, not a planner.
Without a coordinated tax strategy, many retirees overpay across their retirement. The decisions that drive that such as which accounts to draw from, when to convert, and how to manage brackets require a real plan, not guesswork.
This isn't complicated because you're not smart enough. It's complicated because all the pieces such as taxes, income, Social Security, healthcare only make sense when someone connects them into one coordinated picture.
The problem isn't you, it's the system.
Traditional financial advice is built around products and portfolios.
What's missing is a clear, personalized plan that ties everything together.
Every year without a coordinated plan is another year making withdrawal and conversion decisions in isolation: decisions that compound over time, and get harder to unwind.
We regularly work with people who came to us after spending thousands of dollars on what they thought was a comprehensive retirement plan, only to find their questions still weren't being answered. A plan that doesn't give you clarity isn't really a plan.
That's exactly what the Retirement Time Machine™ was built to solve.
At Money Evolution, we've been helping people plan their retirements for over 30 years.
We've worked with hundreds of individuals and families to build clear, actionable retirement plans.
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 get the advice you deserve,
not the advice that benefits someone else.
plan their retirements
not tied to your investments
Tax Planning Is One of the Most
Underutilized Opportunities in Retirement.
Many retirement plans focus on whether you have enough saved. The Retirement Time Machine™ goes further, because how you withdraw and when you convert can be just as important as how much you've accumulated. This is where we spend a significant portion of your planning engagement.
Identify your conversion window and build a multi year strategy designed to reduce future RMDs and create more flexibility in retirement.
Know exactly which accounts to draw from and in what order to help manage your tax burden and support your portfolio's longevity year after year.
Map out your retirement tax brackets year by year to identify planning opportunities before it's too late to act on them.
Coordinate Social Security timing with your withdrawal strategy and RMDs in a way that can help manage tax spikes in retirement.
See what a coordinated tax strategy could look like for your situation
Three Steps to Complete
Retirement Clarity
You don't need another investment pitch or a stack of confusing reports. You need a process that shows you the big picture and lets you act with confidence.
We 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 walk you through how the Retirement Time Machine™ works and confirm it's the right fit. No pitch. No pressure. Just an honest conversation.
You complete a simple FactFinder with the key details we need. Then we do all the heavy lifting: organizing your income, assets, taxes, Social Security, and benefits into one cohesive picture. We model your retirement across multiple scenarios so you see exactly what's possible and what's at stake.
We meet one on one to walk through your complete plan, answer your questions, and finalize your strategy together. You'll walk away knowing exactly where you stand, what to do next, and how every decision connects. Clarity. Confidence. A concrete action plan.
The intro call is free · The plan is $2,900
Your Plan Is Built
Before You Ever See It.
After your intro call, we go to work. Using your FactFinder, we organize every piece of your financial picture like income, taxes, Social Security, investments, healthcare, and build a complete retirement model around your specific situation.
You show up to your plan presentation ready to see results, not to answer more questions.
Every Plan Is Customized.
Here's What We Cover.
Many advisors focus on one piece. We coordinate all of them so every decision works together instead of against each other.
We map your lifetime tax picture, identify your Roth conversion window, and build a bracket management strategy designed to help minimize what you pay to the IRS, not just this year, but across your entire retirement.
Which accounts do you draw from first, and when? We build a specific withdrawal sequence around your accounts, your timeline, and your tax situation to help your money last and keep your tax burden as manageable as possible.
Identify your predictable income sources, close any gaps, and map out a year by year cash flow picture so you always know exactly where your money is coming from, and that it's enough.
Coordinate timing and spousal strategies to make the most of your benefits, including how your claiming decision interacts with your overall tax strategy in ways that can cause unnecessary tax spikes in retirement.
Prepare for healthcare costs, Medicare decisions, and lifestyle shifts so you can retire on your terms without the unpleasant surprises that catch many people off guard.
Walk away with a clear, prioritized list of exactly what to do, when to do it, and how each step fits your larger plan, described in plain English, not financial jargon.
Ready to see what your complete retirement picture looks like?
Schedule Your Free Intro CallEverything You Need to Move
from Uncertainty to Confidence
Your plan combines personal guidance, advanced planning technology, and 12 months of ongoing support, everything to make sure you leave with a complete, actionable plan.
Your plan is built before you ever see it so every meeting is about strategy, not setup. All sessions are on Zoom, at a pace that works for your schedule.
The Blueprint Review: a 90 minute session led by the Money Evolution team where we walk through your complete plan, work through your cash flow in detail, and start getting into your specific strategies right away.
Strategy Sessions 2 & 3 with Bill: two dedicated follow-up meetings where we go deeper on advanced planning scenarios such as Roth conversion strategy, withdrawal sequencing, and tax bracket management, and lock in your final roadmap.
After each meeting you receive a detailed written summary with your action items, next steps, and key recommendations in plain English. No trying to remember what was said. Everything documented so you can move forward with confidence.
For the next 12 months you have access to weekly one on one office hour sessions: short Zoom calls where you can ask questions, review your plan, run a new scenario, or talk through a decision. You'll never feel stuck or alone as you put your plan into action.
Lifetime access to the Retirement Time Machine™ Video Library covering taxes, cash flow, Social Security, Roth strategy, and more, along with all of our planning guides and worksheets.
Your secure eMoney client portal gives you 24/7 access to your complete financial picture. Model new scenarios, track your progress, and see how decisions affect your income, taxes, and long term outlook.
One flat fee. No recurring charges. No obligation to move your investments.
Schedule Your Free Intro CallGuarantee
If after your first two meetings the plan isn't what you expected or your questions aren't being answered to your satisfaction, we'll refund your planning fee in full. We've stood behind this commitment for over 30 years, and in that time we've always done whatever it takes to make sure every client leaves with a plan they're fully confident in.
This guarantee applies to the return of your planning fee only and does not apply to any investment returns or performance. Planning fees are separate from any investment management fees.
Imagine Knowing,
Not Just Hoping.
Planning for retirement can feel overwhelming. But imagine a completely 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 can bring.
You have a clear picture of your tax situation year by year in retirement
Your Roth conversion strategy is mapped out for the years ahead
You know which accounts to draw from and in what order, and exactly why
Your Social Security timing is coordinated with your income and tax picture
Healthcare and Medicare decisions are planned for, not left to chance
You have a clear, written action plan, and the confidence to follow it
The intro call is completely free, and carries no obligation.
Planning Built Around
Your Goals,
Not Your Portfolio.
"Everyone deserves a real financial plan, not a portfolio pitch dressed up as advice."
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: give you the guidance and tools to create the retirement you've always imagined.
I believe everyone needs a financial plan, but finding truly independent planning is harder than it should be. That's why I created Money Evolution: to provide standalone financial planning that isn't tied to where you invest your money. You deserve clear, actionable guidance focused on what actually matters: your goals, your timeline, and your life.
Bill Lethemon · Founder, Money Evolution · 30+ Years in Retirement Planning
Frequently Asked Questions
It's a short, no pressure conversation, typically 20 to 30 minutes, where we learn about your situation, answer your questions about the process, and make sure the Retirement Time Machine™ is the right fit. There's no pitch and no obligation. If it's not the right fit, we'll tell you that honestly.
No, and this is central to what makes us different. The Retirement Time Machine™ is standalone financial planning. We build your plan regardless of where your accounts are held, and you can keep your existing investments and relationships. What you get is a clear, coordinated strategy built on top of where you are today. Investment management is available through Money Evolution for clients who want it, but it's never required, and the plan stands completely on its own.
Yes, and this is one of the more common situations we work with. Many people have an advisor who manages their portfolio well but doesn't do comprehensive retirement planning. The Retirement Time Machine™ is designed to fill that gap, giving you the tax strategy, Roth conversion plan, withdrawal sequencing, and income coordination that comprehensive retirement planning requires. Many clients share their completed plan with their existing advisor afterward.
Once you complete your FactFinder, your plan is typically ready within a few business days, and your first meeting can usually be scheduled the following week. Follow up meetings are spaced a week or two apart, depending on what works for your schedule. Most clients move through the full process in three to four weeks.
Everything: your personalized retirement plan, the Blueprint Review session, two follow up strategy sessions with Bill, written summaries after each meeting, 12 months of weekly office hours, lifetime access to the Retirement Time Machine™ video library and planning guides, and your eMoney planning portal. One flat fee: no recurring charges, no hidden costs.
If after your first two meetings the plan isn't what you expected or your questions aren't being answered to your satisfaction, we'll refund your planning fee in full. This applies to the planning fee only and is separate from any investment related fees or returns. We've stood behind this commitment throughout our history and have always done whatever it takes to make sure clients leave with a plan they're confident in.
Absolutely. Many clients come to us already retired, looking for answers to questions their current situation hasn't addressed, or simply wanting to know their plan is as good as it can be. Whether that's reviewing their tax strategy, exploring Roth conversion opportunities, optimizing withdrawal sequencing, or working through any of the other areas we cover, the Retirement Time Machine™ is designed to be just as useful after retirement as before it.
Take the First Step
You've Worked Too Hard
to Leave Your Retirement
to Chance.
Schedule your free intro call. We'll talk through your situation, show you what's possible, and explain exactly how the Retirement Time Machine™ works, with no obligation to move your money.
Retirement Time Machine™ · $2,900
The intro call is free and carries no obligation.
If the plan isn't what you expected after two meetings, we'll refund your planning fee.
Quick Links
Money Evolution
- 21 E Long Lake Rd #104, Bloomfield Hills, MI 48304
Contact Us
- bill@moneyevolution.com
- (248) 731-7829
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