FOR THOSE WINDING DOWN
FINANCIAL PLANNING
HELPING YOU
TRANSITION TO a life of FINANCIAL freedom
Stepping away from full-time work can be stressful. Preparing for life without a paycheck can be overwhelming. But it doesn’t have to be.
Through our customized planning solutions, you will have a clear path from working to retirement, giving you the ability to wind down your career with confidence.
YOUR GUIDE
SCOTT KRAFFT - CFA, CPA/PFS
“My passion is to help you retire confidently.”
I understand the feeling of uncertainty that comes from winding down a career. Walking away from the career you’ve built comes with financial and emotional hurdles.
Over the past 20+ years, I have helped many people navigate the complexities and concerns that come with saying goodbye to a job. There is a great sense of fulfillment in putting those concerns to rest and bringing that vision of retirement to life.
GET TO KNOW
SCOTT
EVENING RITUAL
Get in a CrossFit work out at the gym, have dinner with my wife, and go on a walk with the dogs.
OUT OF OFFICE
Spending time with grandchildren, exercising with friends, and watching birds in the backyard.
ON MY BOOKSHELF
Anything on business and investing.
FAVORITE DESTINATION
Charleston, SC
THE
LUMINARY EXPERIENCE
DISCOVER
Through a free discovery call, we'll see if we're the right match for you while uncovering your vision, values, and goals.
STRATEGIZE
You’ll be guided through 3 Strategy Sessions, where we’ll optimize every aspect of your finances.
IMPLEMENT
We deliver your Financial Guidebook with our analysis, recommendations, and next steps towards financial freedom.
ENHANCE
We work continually to adjust your Financial Guidebook for any life changes, to ensure you always feel at peace.
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We partnered with Bob and Scott in 2006. We have thoroughly enjoyed the ride. Lee has been a delightful addition to the group. The fact that we can simply pick up the phone at any time to update or make last minute adjustments is extremely important to us. We highly recommend Bob, Scott, and Lee to be YOUR provider for a more secure future.
DAN AND GINGER
Frequently Asked Questions
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My approach to financial planning is unique in that it's both very personal and extremely comprehensive. All money decisions stem from personal values, so the deeper I understand what truly matters to you, the better I can do my job. My goal in our relationship is to help you use money as a tool to live a meaningful life. This requires a thorough understanding of who you are, as well as a holistic analysis of your financial situation that goes far beyond just investments. My designation as a Certified Financial Planner (a designation that only 20% of advisors have) and a Certified Public Accountant allows me to deliver prudent advice in a time when laws, regulations, and strategies are always changing. I dig into the weeds so you don't have to. Sales pitch aside, your comfort level with me is the most important aspect of whether or not we should work together. Money is extremely personal so it's important you are comfortable with whoever you entrust with that responsibility.
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Yes! I'm glad you asked. As a Registered Investment Advisor, I am your "Fiduciary". Meaning, I am legally required to do what is in your best interest and to put your interests ahead of my own. That may sound like common sense, but most advisors are not held to this legal fiduciary standard. It is something I am very proud of and something I take very seriously.
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Nope. You can end the engagement at any time, for any reason. You will just pay a final bill based on any advisor hours incurred to date that have not yet been billed. For example, if you decided to end the engagement mid-month, you would receive a final bill for that month. There are no account closing fees and no annual obligations.
Have more questions?
