Pre-Retirees | Plan Your Retirement Today - Get Expert Help

You Can See Retirement From Here.

Is Your Plan Ready?

The Years Before Retirement May Be the Most Important for Your Financial Future.

BDB Wealth Advisors helps people in the years approaching retirement take a clear-eyed look at where they stand — and identify the planning decisions that may make the most difference before they leave the workforce.

Book a 15-Min No-Obligation Retirement Readiness Call

You May Be Looking for Help With…

Getting a clear, personalized picture of what you may actually need to retire on your terms

Understanding whether your current savings rate and investment mix are appropriate for the timeline you have in mind

Figuring out what to do with old 401(k) accounts from previous employers that are sitting without a coordinated strategy

Evaluating Roth conversion opportunities, catch-up contribution strategies, and account structuring while you still have time to act on them

Managing concern about the impact a significant market decline near retirement could have on your timeline and retirement date

How BDB Wealth Can Help

Retirement Readiness Review

We look at your current savings, expected income sources, anticipated expenses, and retirement timeline to give you a realistic picture of where you stand and what, if anything, may need to change.

Tax-Bracket and Account Strategy

We can help you evaluate Roth conversion opportunities, catch-up contributions, and account diversification while you’re still in the accumulation phase and the decisions have the most impact.

Portfolio Positioning

We help ensure your investment mix and risk level are appropriate for how close you are to needing income from those assets — so a difficult market year near retirement doesn’t derail your timeline.

Account Consolidation

We can help bring old employer retirement accounts into a coordinated investment strategy rather than leaving them scattered and unmanaged.

Ongoing Portfolio Management

Fee-based, fiduciary investment management with at least quarterly reviews for clients ready to move forward.

Our Approach

1. Start with your retirement goals, timeline, income sources, and current financial picture.

2. Build an Investment Policy Statement suited to your pre-retirement situation and risk tolerance.

3. Manage your portfolio with at least quarterly reviews, adjusting the strategy as your retirement date approaches.

4. Coordinate with your CPA and other professionals as appropriate.

Our Fees

Investment management is charged as an annual advisory fee based on assets under management, billed monthly in arrears. Fees are generally negotiable and documented in your advisory agreement. We do not collect fees in advance.

Assets Under Management	Annual Advisory Fee
$10,000 – $20,000	1.20%
$20,001 – $50,000	1.00%
$50,001 – $100,000	0.90%
$100,001 – $250,000	0.85%
$250,001 – $500,000	0.80%
$500,001 – $750,000	0.75%
$750,001 – $1,000,000	0.65%
$1,000,001 – $2,000,000	0.60%
$2,000,001 and above	0.55%

Account Minimum $10,000 (waivable)

Included at no additional charge based on AUM level:

• $100,000+: Access to online financial planning software (limited)

• $250,000+: Annual financial plan review — up to 3 hours of preparation and meeting time

• $1,000,000+: Quarterly financial plan reviews — up to 2 hours per quarter

Financial planning is also available as a standalone project ($500–$7,500+ depending on complexity), hourly ($100/hour), or as a $65/month subscription.

Clients are responsible for thirdparty custodian fees charged by Altruist Financial LLC.

Insurance Conflict of Interest — Required Disclosure, Danielle Bordenkircher is a separately licensed insurance agent who may earn commissions on insurance products. This activity is outside the advisory relationship and is disclosed as a conflict of interest. Clients are never required to purchase insurance through BDB Wealth Advisors.

View the full fee schedule at bdbwealthadvisors.com/

What the First Conversation Looks Like

15 minutes. No obligation. No pressure.

We’ll briefly discuss your retirement timeline, your current situation, and what questions you have.

If our approach may be appropriate for where you are, we’ll outline what next steps could look like. If not, we’ll say so.

Nothing to prepare in advance, though knowing your rough savings total and target retirement age is a useful starting point.

Why BDB Wealth

Fiduciary Status Always — Required by Law

Custodian Statements Quarterly from Altruist Financial LLC Fee Structure Fee-Based

Local Presence York, Lancaster, Harrisburg + Virtual Nationwide

Portfolio Reviews At Least Quarterly

Registration PA State-Registered, CRD #336541

Frequently Asked Questions

There’s no universal answer, it depends on your expected spending, income sources (Social Security, pensions, part-time work), investment returns, healthcare costs, and how long your money needs to last. We can walk through the key variables and help you build a more personalized picture than a generic estimate.
No — the years immediately before retirement can be some of the most impactful for financial planning decisions. Roth conversion opportunities, account structuring, Social Security timing, and portfolio positioning are all areas where decisions made now may affect the years that follow.
It depends on your specific situation, fees, investment options, and tax implications all factor in. This is exactly the type of question we’d address in a planning conversation. It is not a one size fits all answer.
A Roth conversion involves moving money from a pre-tax retirement account (traditional IRA or 401(k)) to a Roth IRA and paying income tax on the converted amount now, in exchange for taxfree growth and withdrawals later. Whether it may make sense depends on your current and expected future tax situation, timeline, and other factors.
Investment management is charged as an annual fee on assets under management, no commissions on investments. Financial planning is charged separately as a fixed project, hourly, or monthly subscription. See our full fee schedule for details.
$10,000 for investment management, which may be waived at our discretion.