Plan
Plan is the one-time dated retirement plan for the published fee of $1,200. You receive claim dates, a conversion schedule, a withdrawal order, and a deadline ledger matched to the facts you submit. There is no monthly subscription on this tier, no discovery call required to see the price, and no asset-based retainer after delivery. You file and instruct the money yourself.
What you get
A one-time plan delivered on a date. Income by year, claiming analysis for the household scope of this tier, a conversion schedule in dollars, a withdrawal order by account, and a deadline ledger with Medicare, IRMAA, December cutoffs, and first-RMD timing. Assumptions sit next to the recommendations so you can see what the dates depend on.
Income plan by year
What arrives each year from wages, Social Security, pensions, and account draws, and which account funds living costs when paychecks stop. The page is a year table, not a single retirement-number slogan.
Conversion schedule
Year-by-year Roth conversion amounts sized to fill a federal bracket without buying an avoidable IRMAA tier two years later. December 31 cutoffs and instruct-by buffers sit on the same rows.
Claiming analysis
Claim months for each eligible claimant in scope, with breakeven context and survivor notes where they apply. One recommended filing date per person, printed with the cash-flow years around it.
Inside
the Plan
Send your statements and ages after checkout. Back comes a dated plan: when to claim, what to convert, which account to draw first, and the deadlines that decide the tax bill. If you later need a rebuild window, Plan and year is the next tier. If you need adult children, beneficiary review, and inherited accounts on the same plan, Household is the wider scope.
Plan: what you buy, what you receive, what you do next
Plan is the one-time dated retirement plan from Ivory Plains. You pay the published fee on the pricing page. You receive a document set with claim dates, a conversion schedule, a withdrawal order, and a deadline ledger matched to the facts you submit. There is no monthly subscription on this tier, no open-ended advisor relationship, and no discovery call required to see the price.
The product is dates and dollars on a page. It is not a standing meeting, a portfolio of funds, or a promise that markets will cooperate.
Delivery checklist
- Inputs received. Birth dates, filing status, account types and approximate balances, earnings or pension amounts, Social Security estimates you provide, Medicare status, and the spending level you need the plan to fund.
- Assumptions printed. Longevity, inflation, return, and tax-rule assumptions sit next to the recommendations so you can see what the dates depend on.
- Claim dates. One month and year per eligible claimant in the household scope of this tier, with breakeven context and survivor notes where they apply.
- Conversion schedule. Tax years and dollar amounts sized to brackets and IRMAA, with December 31 cutoffs and instruct-by buffers.
- Withdrawal order. Year-by-year account sequence through bridge years, penalty ages, benefit start, and RMD age.
- Deadline ledger. Medicare windows, IRMAA premium years, conversion instruct-by dates, and first-RMD timing including the April 1 option.
- Your actions. File with Social Security yourself. Instruct custodians yourself. Enroll in Medicare through the channels that apply to you. Ivory Plains does not file, trade, or enroll on your behalf.
Plan does not update itself when your job ends early, when you inherit an IRA, or when tax law changes after delivery. If you need a refresh, Plan and year is the tier built for a scheduled update. If you need adult children, beneficiary review, and inherited accounts on the same pages, Household is the tier that expands the scope. Pricing for each is published. You choose the tier before checkout.
What Plan is not
Plan is not investment management. It does not pick funds, rebalance accounts, or hold custody of assets. Plan is not a tax-preparation service. It does not file Form 1040, compute exact withholding, or replace a CPA for return filing. Plan is not legal advice about trusts, divorce decrees, or beneficiary designations, though it will ask for the beneficiary and marital facts that change claim and RMD outcomes.
Support after delivery is available at support@ivoryplains.com for questions about how to read the pages you received, how to submit a correction when an input was wrong, or how to purchase Plan and year or Household if your scope changed. Support is not an open planning retainer. The dated pages are the product.
Who Plan is for
Households that need the statute layer applied once to their facts. If you need ongoing rebuilds when income or ages move, choose Plan and year. If you need two spouses as one cash-flow unit with survivor paths, choose Household.
Fees are published on the pricing page. No AUM fee applies. No discovery call is required to buy. Checkout leads to inputs, then dated pages. You remain the person who files and instructs.
What Plan includes in depth
Plan is $1,200 once. It applies claiming ages, conversion cutoffs, withdrawal order, and dated deadlines to your facts as of the plan date. You receive dated pages, not a discovery call and not an AUM relationship.
You file Social Security yourself. You instruct conversions and withdrawals yourself. Support at support@ivoryplains.com explains how to read the pages and how to correct inputs. Plan is a snapshot. When wages end, claims start, or statutes move, Plan and year ($1,200 plus $95/mo or $950/yr prepaid) or Household ($3,400/yr) rebuilds the calendar.
What you get on the pages
- Claim month and year recommendations in scope
- Conversion schedule with tax years and dollar amounts
- Withdrawal order by account and year
- Deadlines that belong to your calendar
- Assumptions printed next to the recommendations
Plan does not hold custody, file as your agent, or sell insurance. It dates the work you still do on your own accounts.
Extended field guide: the Plan tier as a single dated delivery
Plan is $1,200 once. It is Ivory Plains’ single-delivery ledger: dated claim instructions, conversion amounts by year, withdrawal order by phase, and deadlines that connect those actions to SSA, Medicare, custodians, and the tax calendar. It is built for households whose material facts are stable enough to execute without an annual redesign. It is not a trial for AUM. It is not a discovery-call funnel. You file inputs, you receive pages, you act. Fees stay public: Plan $1,200 once; Plan and year $1,200 then $95 a month or $950 a year prepaid; Household $3,400 a year. There is no AUM fee and no mandatory discovery call. You file and instruct yourself. Questions about reading a page go to support@ivoryplains.com.
What Plan is for
Plan fits when birth years are known, stop-work timing is credible, SSA estimates are current, account structure is unlikely to change soon, and marital status is settled. Many households meet that test. They do not need a perpetual planning relationship. They need one clear set of dates and amounts they can run without a salesperson narrating risk tolerance.
Plan does not fit when you already know a business sale, divorce, major equity vest, or health-driven claim change is coming next year. In those cases Plan and year or Household prevents you from treating a soon-to-be-obsolete PDF as scripture. Buying Plan while secretly expecting weekly redesign is how people feel disappointed by a product that did exactly what it said on the pricing page.
- One delivery, one execution ledger
- Same page system as higher tiers: claim, convert, withdraw, deadline
- Support for reading the delivery and correcting input mistakes before you lock action
- Upgrade paths if life later demands cadence
- Public cash price with no AUM and no required discovery call
How the four action pages stay linked
Claiming decisions set when Social Security income begins. Conversion windows set ordinary-income room by tax year. Withdrawal order sets which account funds spending without wrecking those years. Dated deadlines set SSA, Medicare, custodian, and tax clocks. After any update, read all four again before you instruct anyone.
- A moved claim month without resized conversions is a broken plan
- A conversion year without a funding source is a paper exercise
- A withdrawal change that ignores IRMAA lookbacks is a future premium surprise
- A deadline you never calendarized is not a deadline you owned
Worked examples
Example A: married couple, 62 and 60, clear retirement dates eighteen months out, solid SSA estimates, taxable brokerage large enough to fund conversion taxes and bridge spending. Plan delivers. They execute for several years without structural change. That is Plan working as designed.
Example B: same couple, but one spouse may sell a business for an unknown amount next year. Plan can still deliver a baseline, yet the conversion schedule may be obsolete after the sale. They should prefer Plan and year or Household, or accept that Plan is a snapshot before a known cliff.
Example C: single filer, 55, Rule of 55 candidate, wants one dated path out of workplace money into delayed claiming. Plan is often enough if job separation timing is firm and account structure is simple.
Example D: household buys Plan, then a year later one spouse dies. The Plan PDF is not a survivor plan. They purchase a new delivery or move to an update tier. Pretending the married ledger still governs is how survivor claim options get missed.
- Confirm facts are stable enough for a single ledger
- Complete inputs carefully; Plan does not include free fixes for missing facts later
- Read all four action pages before the first custodian instruction
- Execute against deadlines
- Upgrade later if a shock makes the ledger obsolete
Input quality on a one-time product
Because Plan is once, bad inputs are expensive. An outdated SSA estimate, a missing pension, or a fantasy spending number will be printed with confidence. Spend time on the questionnaire. Download fresh estimates. Inventory accounts by type. Disclose Rule of 55 eligibility, divorce decrees that matter, and every pension you expect. Support at support@ivoryplains.com helps you interpret questions. It does not replace your homework and does not open with a sales call.
Common Plan-input failures include mixing spouses’ estimates, entering retirement age slogans instead of months, omitting brokerage basis that affects which lots fund spending, and hiding a side business that will keep ordinary income alive during supposed conversion years. Each failure becomes a dated instruction you should not follow until corrected.
What fails after Plan delivery
The main failure is drift: markets move, you freestyle conversions, you claim on a different month, and you keep telling friends you have a plan. You have a PDF. The second failure is treating support like an open retainer included forever in $1,200. The third is refusing to upgrade after a real structural change because a one-time fee felt like it should cover all futures. Products have boundaries. Plan’s boundary is honest.
A subtler failure is selective obedience: following the claim month while ignoring conversion amounts, or following conversions while funding spending from the wrong account. The pages are a system. Selective obedience recreates the inconsistency the purchase was meant to end.
Plan is one dated ledger you run yourself. Precision at delivery is the feature. Eternal free redesign is not.
Comparing tiers without a sales call
Plan $1,200 once. Plan and year $1,200 then $95 a month or $950 a year prepaid. Household $3,400 a year. No AUM. No required discovery call. Choose on the pricing page. If you are unsure, prefer the cheaper tier that matches your update needs rather than buying Household for status. You can upgrade later when facts demand cadence.
First thirty days after Plan delivery
Days one through three: read claiming, conversions, withdrawals, and deadlines end to end. Days four through seven: put every deadline on a calendar with institution names. Days eight through fourteen: verify SSA estimates still match what you filed; if not, contact support before acting. Days fifteen through thirty: complete any account setup needed for the first phase of the withdrawal order, such as settlement cash or beneficiary confirmations.
Households that skip this month often “get to it later” and then freestyle November. Plan’s value concentrates in early obedience to the calendar. The $1,200 purchase does not include a coach nagging you weekly. It includes pages precise enough that nagging should be unnecessary if you can follow dates.
When Plan is enough for years
Plan remains enough across multiple years when claims stay on schedule, conversions complete as printed, withdrawal sources remain available, and no marital or job shock rearranges the tax surface. Many households live that path. They should not be upsold into Household for status. Precision followed is better than cadence unused.
Buy the plan
without a discovery call
The fee and what is inside it sit on the page. Send the statements and get the dates back.
