About Ivory Plains

Retirement advice, finally written down with dates.

We sell dated retirement plans for a published fee: when to claim, how much to convert in which tax year, which account funds which spending year, and which deadlines decide the tax bill. No discovery call. No percentage of your assets.

See pricing How it works

$1,200 Plan, once $95/mo Plan and year $3,400/yr Household

Older couple sitting together on a dock at golden hour

The hard datesOn your plan

Age 65

Medicare opensA seven-month enrollment window

Dec 31

Roth conversion cutoffJanuary cannot repair December

+2 yrs

IRMAA lookbackThis year's income, that year's premium

RMD

Required distributions beginDec 31, or Apr 1 the first year

Why we exist

Ranges keep meetings open. Dates close them.

A claim month can be checked. A conversion amount can be checked. A deadline was met, or it was not. Advice that prints ranges to keep a relationship open is a sales process. We print dates to end it.

$0Asset-based fees on any plan we sell. You pay a cash price you can read before checkout.

0 callsRequired to buy. The fee, the scope, and what is inside it all sit on the page.

1 datePer decision. Not "claim between 67 and 70." A month and a year, with the assumptions beside it.

Our story

We built a product instead of a pitch.

Retirement is a sequence of hard dates, not a vibe. The plan exists to put those rules on one page with your birthday attached, before the window closes.

Couple reviewing their retirement plan together at a table

01
The problem
Households five to ten years from leaving work were offered free consultations, follow-up calls, and a fee that stayed hidden until after the story. The advice arrived as ranges. Claim between 67 and 70. Convert when you can. The calendar still closed on people who waited for certainty that never arrived.
02
The product
Income by year, a claiming analysis for both spouses, a conversion schedule in dollars, a withdrawal order by account, and a deadline ledger. Each line carries a date. Each date carries the rule that makes it hard.
03
The price
Fees went on the pricing page before checkout. Plan at $1,200 once. Plan and year at $1,200 then $95 a month, or $950 a year prepaid. Household at $3,400 a year. No free analysis that turns into a surprise invoice.
04
What is next
Keep the fee visible. Keep the dates personal. Keep refining the plan around the distribution cliff, Medicare surcharge tiers, and the December cutoffs that January cannot repair.

What you get

A document with dates. Not a journey.

Five connected pages. Change one date and the others move with it, so the plan you act on is one plan.

Claiming

One claim month per spouse

Breakeven, survivor income, and one recommended date for each of you.

Conversions

Roth amounts, in dollars, by year

Fill a bracket without crossing a Medicare surcharge tier.

Withdrawals

Which account pays which year

Bridge years, penalty rules, and the order that keeps the tax bill a decision.

Deadlines

A ledger of every date that moves money

Enrollment windows, lookbacks, and December 31 cutoffs with your dates printed on them.

Income by year

What arrives each year, and from where

From the bridge years through the first required distribution, on one page.

Why the calendar matters

Four clocks decide most of the bill.

Advice that ignores these clocks is entertainment. Your plan prints each one with your dates attached.

7 months

Medicare enrollment

Opens three months before the month you turn 65 and closes three months after it.

2 years

IRMAA lookback

Medicare premiums look back at income from two years earlier, conversions included.

Dec 31

Conversion cutoff

A Roth conversion counts only if it settles by the last day of the tax year.

Apr 1

First required distribution

Delay the first one and two distributions can land in the same tax year.

Plain speech about money

Percentages hide the bill. Cash shows it.

A 1% wrap fee on $2 million

$20,000/yr

Household, the full Ivory Plains tier

$3,400/yr

Different offers with different deliverables: discretionary management versus dated instructions you execute. Compare them on what you get, not on vibes.

	Typical advice	Ivory Plains
How you buy	Discovery call, then a proposal	Published price, checkout
How you pay	A percentage of assets, every year	Cash fee on the page
What you get	Ranges and a relationship	Dates and dollar amounts
Who holds your money	Often the firm	You, at your custodian
When rules change	Discussed at the next review	Rebuilt on an update tier

Boundaries

Clear edges keep the fee cash and public.

You file and instruct yourself. That boundary is on purpose: a firm that claims to handle everything either holds custody, files as your agent, or overpromises.