About Services Process Fees Retirement Planning Social Security Medicare Contact Disclosures
Retirement Financial Planning in St. Augustine, FL 32092

Figure out if what you've built is actually enough.

Most people in their early 60s have saved, worked hard, and gotten retirement within reach. What they don't have yet is a clear picture of whether it's going to hold together. That's where I come in.

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$100k+
Minimum investable assets for clients we work with
1 Advisor
No handoffs. No junior associates.
Coordinated plan
Insurance and securities, both
Jordan Wright — Summit Line Financial Planning
Jordan Wright • Founder, Summit Line Financial Planning
About

Same door as everyone else. Different intent once inside.

In my experience, many advisors often show up with a product looking for a problem. I show up with questions, and I stay until I have the complete picture of your situation.

I work with adults in their early-to-mid 60s who have built real savings but don't yet have a retirement income plan to match. They've done the work of accumulating. What they need now is someone to help them understand whether it holds together and what to do if it doesn't.

I hold insurance licenses and offer investment advisory services through Gradient Advisors, LLC. No handoffs. No junior associates. The same person who explains the plan is the person who built it.

If your expectations aren't realistic, I'll say so. If you're not financially ready to retire, I'll say that too. Unrealistic projections don't serve anyone. I'd rather have a hard conversation now than leave you unprepared.

Life, health, and annuity insurance licensed
Investment advisory services offered through Gradient Advisors, LLC, an SEC Registered Investment Advisor
Specializing in retirement income, Medicare, and Social Security timing strategy
Experience training advisors in retirement planning frameworks
Based in St. Augustine, FL 32092. Serving clients locally and remotely.
Services

One relationship. A coordinated plan.

I don't need to manage everything, but I need to understand everything. Whether I'm building someone's full plan or adding one piece to something already in place, I do my best work when I can see how all the parts connect.

Retirement Income Planning

Build a coordinated monthly income strategy from what you've saved. We bring together Social Security timing, account withdrawals, and other income sources into a single plan you can understand and explain.

Social Security Timing Strategy

Claiming at the wrong time can cost tens of thousands over a lifetime, depending on your situation and life expectancy. I'll model the timing scenarios specific to your situation and coordinate the decision with the rest of your plan.

Medicare Planning

Original Medicare, supplements, and Advantage plans each carry different costs and tradeoffs. I help you understand what's actually available and what fits your specific situation before the enrollment window closes.

Investment Management

Portfolio management aligned with your income timeline, risk tolerance, and retirement objectives. Not a generic model built for someone with a 30-year horizon and different needs.

Insurance & Risk Planning

Long-term care risk is one of the largest unaddressed threats in pre-retirement planning. I help clients understand their exposure and evaluate every available option honestly, including self-insured approaches.

Insurance products may be compensated through carrier commissions. See Fees section for details.

Spousal & Survivor Planning

What happens to income if one spouse dies first? What does the survivor need? These questions rarely get asked early enough. We address them before they become emergencies.

How It Works

A real conversation first. A plan second.

01
Initial Conversation

We talk. No pitch, no presentation. I ask questions about where you are, what you're thinking about, and what you're not sure about. This is how I decide whether I can actually help, and how you decide whether you want to work with me.

02
Discovery & Analysis

If there's a fit, we go deeper. I gather the full picture: income sources, assets, liabilities, insurance, Social Security estimates, Medicare timeline. Nothing useful comes from a partial view.

03
Plan Delivery

I build a plan you can actually understand and explain back to me. If you can't do that, we're not done. We walk through the strategy, the tradeoffs, and the specific decisions you'll need to make.

04
Ongoing Partnership

Plans need to adapt. Life changes. Tax laws change. Social Security rules change. I stay in your corner. Not just at annual reviews. When questions come up in between, you have someone to call.

Fees

Straightforward. Transparent by design.

You should know what you're paying and why. My fee structure is transparent. The cost of the engagement is clear before we start.

Investment Management & Planning
AUM-Based

The retirement income plan is built and implemented as part of the ongoing advisory relationship. Fee is an annual percentage of assets under management, agreed upon before we start.

  • Retirement income analysis and plan delivery
  • Social Security timing strategy
  • Medicare enrollment roadmap
  • Tax-aware withdrawal sequencing
  • Long-term care risk review
  • Ongoing portfolio management
  • Tax-conscious portfolio rebalancing
  • Annual plan reviews and strategy adjustments as life changes
  • Access for questions year-round
  • Communication with your CPA or attorney as needed

Fee rates vary. Please refer to Gradient Advisors, LLC's Form ADV Part 2 for complete fee disclosure.

Insurance products including Medicare supplement plans, long-term care insurance, and annuities are compensated through carrier commissions, which is standard in the industry. I'll be explicit about when that applies so you always understand how I'm being paid.
Retirement Planning

The summit isn't the end. The path continues on the other side.

Most retirement planning conversations focus on getting to retirement. The harder question is what happens after. Income needs to last. Costs will rise. Unexpected events will require reserves. The plan has to account for a range of conditions. Not just the favorable ones.

I help clients answer the question they're actually asking: Is what I've built going to be enough?

That requires an honest look at the numbers, without softening uncomfortable projections. And it requires building a plan they actually believe in, not one that just looks good on paper.

Start the Conversation

01

Building Income for the Long Run

Coordinating Social Security, withdrawals, and income sources to build a consistent monthly baseline intended to support you through each stage of retirement.

02

Withdrawal Sequencing Strategy

Which accounts you withdraw from first, and in what order, can have a meaningful impact on the longevity of your savings. This is planning most people skip entirely.

03

Healthcare Cost Reality

Medicare isn't free. Supplemental coverage, long-term care risk, and out-of-pocket exposure need to be built into any realistic retirement budget.

04

Inflation and Longevity

A plan built at 65 needs to hold up at 85. Longevity and inflation aren't risks to plan around. They're realities to account for from the start.

05

Legacy and Survivor Needs

What does the surviving spouse need if one of you dies first? What do you want to leave behind? These belong in the plan from the beginning, not as an afterthought.

Social Security Planning

When you claim can make a significant difference, depending on your situation.

Social Security is the foundation of most retirement income plans. Claiming too early reduces your monthly benefit on a permanent basis under current Social Security rules. Waiting can add hundreds of dollars per month, depending on your earnings record and when you claim. The best timing depends on your health, your other income sources, and what your spouse needs.

This is not a decision to make in isolation. Modeling your specific numbers is how you get to a well-informed decision. I run the analysis and walk through the tradeoffs clearly so you can make the decision that actually fits your situation.

For married couples, coordinating both spouses' benefits adds another layer of complexity that requires running the scenarios, not guessing.

8%
Annual increase for each year you delay claiming past full retirement age
30%
Permanent reduction under current law from claiming at 62 vs. waiting until full retirement age
$100k+
Lifetime benefit differences of this magnitude are possible depending on claiming age, health, and individual situation. Source: Social Security Administration (ssa.gov).
Age 65
Medicare enrollment overlaps with Social Security decisions. Both require coordination.
Medicare Planning

Medicare is the entry point.
It rarely stays that way.

Medicare at 65 is one of the most consequential enrollment decisions most people make. The wrong choice can create coverage gaps, lock you into higher costs, or limit your options later. Almost nobody explains it clearly before you have to decide.

Original Medicare + Supplement

Parts A and B with a Medigap supplement offer broad provider access and more consistent costs. We look at which supplement plan fits your situation, your health, and what matters to your coverage needs.

Medicare Advantage

Part C plans can offer lower premiums but come with network restrictions and prior authorization. I help clients understand what they're actually getting, not just the monthly premium.

Part D: Prescription Coverage

The right Part D plan depends on what you take and what it costs under each plan's formulary. We compare plans specific to your medication list, not a generic recommendation.

IRMAA & Income Planning

Income levels can affect Medicare premiums through IRMAA surcharges. Understanding how your income sources interact with these thresholds is part of a complete retirement plan.

Enrollment Timing

Missing an enrollment window can result in lasting late enrollment penalties. Whether you're still working, on a spouse's plan, or approaching 65, enrollment timing needs to be intentional.

Long-Term Care Gap

Medicare does not cover extended long-term care. Most people don't discover this until they need it. We address the gap in the planning stage, when there are still options on the table.

Long-term care insurance products may be compensated through carrier commissions. See Fees section for details.

Contact

Start with a real conversation.

I don't close people. I have real conversations and let the fit become obvious to both of us. Reach out when you're ready to take a clear look at your retirement picture. No commitment required to have a conversation.

jordan@summitlinefp.com
612-201-2767 (Voice Only)
summitlinefp.com
St. Augustine, FL 32092
Who this is for: Adults in their early-to-mid 60s with $100k+ saved who are approaching retirement without a formal income plan. If that's you, let's talk.

Disclosures

Jordan Wright offers investment advisory services through Gradient Advisors, LLC (Arden Hills, MN 877-885-0508), an SEC Registered Investment Advisor. Gradient Advisors, LLC and its advisors do not render tax, legal, or accounting advice. Summit Line Financial Planning LLC is not a registered investment advisor and is independent of Gradient Advisors, LLC. Insurance products and services are offered through Jordan Wright, independent agent.

Summit Line Financial Planning LLC, Jordan Wright, and Gradient Advisors, LLC are not affiliated with or endorsed by the Social Security Administration, Centers for Medicare & Medicaid Services, or any government agency.

Information presented on this website is for educational purposes only and does not constitute investment advice, financial planning advice, tax advice, or legal advice. All information is believed to be accurate as of the date of publication but is subject to change without notice.

The information on this website has been prepared without considering your individual investment objectives, financial situation, or particular needs. Before making any financial decision, you should consider the appropriateness of this information in light of your own objectives, financial situation, and needs.

Past performance is not indicative of future results. All investment strategies involve risk, including the potential loss of principal. There is no guarantee that any investment strategy will achieve its objectives.

Social Security claiming strategies discussed on this website are general in nature and may not apply to every individual situation. Social Security rules are complex and subject to change. For personalized guidance, consult a qualified financial advisor or contact the Social Security Administration directly at ssa.gov.

Medicare information on this website is provided for general informational purposes only and should not be construed as personalized insurance advice. Medicare rules and plan availability vary by location and change annually. For current and specific Medicare information, visit medicare.gov or speak with a licensed Medicare specialist.

Insurance products including Medicare supplement insurance, long-term care insurance, and annuities are offered through separate insurance licensing and are subject to carrier approval, underwriting standards, and state availability. Commissions may be paid by insurance carriers for the placement of insurance products.

Registration as an investment adviser representative does not imply a certain level of skill or training.

A copy of Gradient Advisors, LLC's Form ADV Part 2 and Form CRS is available upon request or by contacting Gradient Advisors, LLC directly at 877-885-0508.

© 2026 Summit Line Financial Planning LLC. All rights reserved. • summitlinefp.com • jordan@summitlinefp.com • 612-201-2767