Retirement Tools Are Confusing . This Is Easy And Good.
Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money
Complete our easy and simple to follow fact finder and get a comprehensive retirement roadmap, income strategy, tax plan, and Social Security optimization. It's so easy you'll wonder why retirement planning ever seemed complicated.
People love this because it takes the confusion out of retirement planning.
Here's how:
Just Three Easy Steps
You don't have to worry about learning complicated software, figuring out where to input data, or wondering if you're doing it right. Our three-step guided process makes retirement planning simple and clear.
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Step 1: Get Organized (The Easy Way)
No more drowning in paperwork or wrestling with complicated software.
Our intuitive fact-finding system and quick video lessons guide you through gathering your retirement info – with clarity.
We take all that information and build your complete eMoney financial plan for you – no figuring out where things go or how to input data.
Everything organized in one place, giving you that ‘I’ve got this’ feeling.
And if you need help? We’re right here – just reach out.
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Step 2: Dive Into Your Plan
Your custom eMoney plan comes to life in just days.
Unlike some software that leaves you staring at confusing reports, our easy-to-follow videos guide you through every detail – showing you exactly which reports matter most and how to interpret them to make better, more well-informed decisions about your retirement.
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Step 3: Transform Plans Into Action
Meet with our team to turn your plan into reality with your included personalized one-on-one consultation.
We’ll start by dialing in your retirement cash flow to understand how retirement could work for you, then create your retirement income and withdrawal strategy. We’ll optimize your Social Security timing, pension decisions, and develop your retirement tax strategy – running real-time scenarios to fine-tune every detail.
Walk away with clear, actionable steps and professional recommendations.
No guesswork, just confidence.
Here's what makes us who we are:
- No complicated software to learn – We handle all the technical setup and data entry for you
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Built on eMoney's advanced planning module – The same professional level financial planning software used by top financial advisors
- We coach you through every step – with detailed video guidance that other planning software doesn't provide
- We're real people you can reach – in a real office who actually respond to emails and answer the phone
- Ongoing support when you need it – not just software access, but real human guidance
What You Get:
- Your professionally-built eMoney plan with lifetime access
- Complete video coaching library to master your plan
- Complimentary one-on-one planning session with our team
- 12 months of weekly office hours for ongoing questions
- Lifetime access to live events and all future updates
Here's How We Help You Fine-Tune Your Retirement Strategy…
Got questions like:
- When can I retire?
- How much can I spend?
- Which accounts should I draw from first?
- Should I do Roth conversions?
- How do I optimize Social Security with my spouse?
- Will RMDs push me into higher tax brackets?
During your one-on-one session and weekly office hours, we'll work directly on YOUR plan to answer these questions, running real-time scenarios and optimizations specific to your situation:
Cash Flow Optimization & Retirement Timing
- Discover if your retirement is on track, and how small adjustments to your spending or moving your retirement date by one or even two years can help get your retirement to where you want it to be
- Understand your spending gaps - the critical foundation for creating your retirement income and withdrawal plan
- See how your cash flow changes through three critical phases: working years, early retirement, and full retirement age
- Watch us model different retirement dates to find what works best for your situation
- Plan for variable spending throughout retirement - like extra travel in your early years or changing lifestyle needs
- Understand your spending capacity throughout each phase of retirement
Social Security Strategy (Beyond Break-Even Analysis)
- Move beyond simple break-even calculations - learn how to optimize your Social Security to give you the best improvement to your retirement cash flow
- See why delaying Social Security for higher benefits may actually hurt your long-term cash flow by forcing larger portfolio withdrawals in your early years
- Learn the best way to coordinate your Social Security benefits with your spouse, including survivor benefit considerations
- We'll model multiple different claiming strategies to find what creates the best improvement to your long-term retirement plan
Retirement Income & Withdrawal Strategy
- Learn how to get your portfolio retirement ready - starting 3-5 years before you retire - and how to manage it through the three phases of retirement
- Learn how to fill your cash flow gaps by organizing your portfolio into three buckets: immediate needs (years 1-2), medium-term needs (years 3-7), and long-term growth - getting your portfolio ready for retirement withdrawals
- Learn which accounts to withdraw from first for tax efficiency
- See how to create sustainable income throughout all phases of retirement
- Understand the impact of Required Minimum Distributions on your plan
- Build a tax-efficient withdrawal strategy that minimizes your lifetime tax burden
Tax Optimization & Advanced Strategies
- Discover why taxes may be your biggest expense in retirement and learn strategies that could reduce your taxes over your lifetime
- Take advantage of changes in your tax bracket over time - from working years to potentially low-tax years in the early part of your retirement
- Learn how Required Minimum Distributions could potentially push you into a higher tax bracket later in retirement
- Understand how different types of retirement plan withdrawals impact your taxes differently
- Explore whether Roth conversions make sense and when and how much you should think about converting
- Explore asset shifting strategies to move money from taxable accounts to more tax-efficient retirement savings vehicles while you're still working
- Discover tax strategies for non-retirement accounts like tax-loss harvesting to offset gains and reduce current taxes
- See how to coordinate your withdrawal sequence with your tax planning to keep more money in your pocket throughout retirement
- Watch us model your tax projections through all phases of retirement to create a comprehensive lifetime tax-minimization plan
OUR COMMITMENT TO YOU
My goal with this program is to help you create a plan for your retirement that brings confidence and clarity to all of your most important goals and dreams. I’m confident that the Retirement Time Machine will help you get clear answers to your retirement planning questions.
This offer does not guarantee investment performance or results and is solely a customer service gesture. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Results will vary.
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.
FAQs
Fire Away. Happy To Help
Great question! When you think about it, retirement planning is really time travel – you’re using information from your past and present to create your future. The Retirement Time Machine helps you look back at what matters most to you, then leap forward to design the retirement you actually want. It’s about turning your retirement dreams into a clear, actionable plan.
The Money Evolution Plan is our premium comprehensive financial planning service that costs $3,997 and includes four one-on-one meetings with me personally. It’s designed for people with complex financial situations who want me to walk them through everything and handle all the advanced planning scenarios.
The Retirement Time Machine is our guided approach at a fraction of the cost. We still build your plan for you using the same professional eMoney software, but instead of multiple meetings with me, you get step-by-step video guidance to understand your plan, plus one complimentary planning session with our team. It’s perfect for people who want professional-level planning but prefer a more self-directed approach with support when they need it.
Both programs give you a comprehensive financial plan that’s not connected to where you invest your money – the main difference is the level of personal guidance and the complexity of situations we can address.
If you’ve been searching for financial planning help, you may have experienced this: you schedule an appointment with a financial advisor hoping to create a comprehensive plan, but the conversation quickly turns to how they can manage your investments. The Retirement Time Machine gives you comprehensive financial planning that’s completely separate from where you choose to invest your money. You get professional-level planning without the pressure to move your assets or pay ongoing management fees.
Once you complete and submit your fact finder, we’ll build your complete eMoney financial plan within 2-3 business days. You’ll receive an email with login instructions to access your personalized retirement plan.
You will have lifetime access to all course materials, videos, and bonus modules, including any future updates to the Retirement Time Machine. You’ll also have lifetime access to the eMoney financial planning portal. The weekly office hours are included for 12 months, and after that, continued access is $500 per year or $50 per month.
Not at all! There’s no software to download or fancy computer needed. You simply log into the secure website from any computer, iPad, or tablet. As long as you have internet access, you’re good to go. My step-by-step videos walk you through the entire process.
Yes! You get a complimentary one-on-one planning session with our team, plus 12 months of weekly office hours where you can schedule 15-minute sessions. I also host periodic livestream Q&A sessions. Additional one-on-one meetings with our team are available for $299 per session.
The Retirement Time Machine handles most retirement planning situations very well. However, if you have highly complex needs like executive compensation (stock options, restricted stock, RSUs, deferred comp), multiple businesses, extensive investment real estate or multiple investment properties, or intricate estate planning requirements, our Money Evolution Plan might be a better fit. During your complimentary planning session, we’ll let you know if your situation requires more advanced planning.
eMoney is one of the most advanced financial planning platforms available, built specifically for financial professionals. Unlike other tools that leave you to figure out confusing reports on your own, we build your plan for you and provide step-by-step video guidance to help you understand and use your plan effectively.
Most people can work through their plan and key videos in just a few hours. There are additional deep-dive videos if you want to explore specific topics further, but you don’t need to watch everything to get tremendous value from your plan.
Your plan becomes your roadmap for making confident retirement decisions. You’ll have ongoing access to update your information, run scenarios, and use the weekly office hours to get guidance on specific questions or life changes that come up.
Terms & Conditions
The Retirement Time Machine is an online course intended for educational purposes only. Before making any financial or investment decisions you should always consult with appropriate professionals such as a C.P.A., Financial Advisor, or Attorney. The Retirement Time Machine also includes the ability to build your own financial plan using eMoney Financial Planning Software. We call this the Retirement Time Machine Navigator. This is a do it yourself financial plan and time and care should be taken to ensure that you have entered the information into your plan correctly and that you know how to interpret the reports. Throughout the course, video instruction along with PDF’s and worksheets are provided to assist in the data entry and report interpretation. Please make sure you watch and pay attention throughout all of the video’s. Periodic live group Q&A sessions will also provide an opportunity to help you understand your plan. You will have lifetime access to Retirement Time Machine course, including all video’s, PDF’s and worksheets. The Retirement Time Machine Navigator will be available to access for a minimum of 12 months from your date of purchase. For an additional cost, periodic offers may be made to engage in one on one financial planning advice. These one on one financial planning engagements will be made under a separate financial planning agreement, and would offer the ability to review and check that your financial data have been entered into the software correctly, interpret reports and receive individualized financial planning recommendations.
Disclosures
Quick Links
Lethemon Financial
- 21 E Long Lake Rd #104, Bloomfield Hills, MI 48304
Contact Us
- bill@lethemonfinancial.com
- (248) 731-7829
Tracking: 435514-1: Copyright Money Evolution – 2024 – 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