Helping you make
the retirement decisions
you've been putting off.
Independent financial planning for people who want to feel empowered with a plan they understand.
WHO I SERVEPeople who want to understand their financial future,
not outsource it.
Most people I work with have done a lot of the right things. They’ve saved, invested,
and made thoughtful decisions over time.
But when they think about retirement, questions start surfacing:
When to take Social Security
How to turn investments into income
Whether they’ve done enough to protect their spouse
If they’re on track for the retirement they want
They know they need help, but they want to trust that the advice really puts their interests first.
They want someone to slow things down, explain what actually matters (and what doesn’t), and help them feel genuinely confident in their decisions.
Every client project is custom to them, with one flat fee, no long-term commitment, no asset minimums.
If new questions come up after our engagement, you can feel confident you’ve got a trusted professional in your back pocket.
If that sounds like what you’ve been looking for, you’re in the right place.
MY APPROACHIndependent.
Education-forward.
Reliable transparency.
I’m not tied to any firm, product, or commission structure, so every recommendation
is guided by one principle:
What’s truly best for you, not just what’s good enough.
I take the time to explain every tradeoff, and I’ll be straightforward when I tell you whether something fits or not — even when that means losing a commission opportunity.
Every engagement is customized to your situation, so I’ll learn what matters most to you, assess where the gaps are, then we’ll focus on what deserves your attention.
The goal isn’t for you to rely on me. It’s for you to leave more confident in your own decisions, in your own plan.
SERVICESTrade uncertainty for clarity, and take action.
Every engagement with a client is a project with a defined start and finish, where you pay a flat fee upfront so you know what you’re paying, and you know what you’re paying for, before we start.
No long-term commitment.
No asset minimums.
No management fees, no advisor fees, no annual fees.
No hidden agenda.
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An honest look at where your finances stand today, assessing how they align with the retirement you want, and the decisions that deserve your attention next.
Starting at $395 - Pricing dependent on complexity of your situation, discussed clearly upfront.
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Many Americans leave money on the table by claiming Social Security at the wrong time, or worse, they create financial stress down the road.
I’ll help you decide when to claim, with clear insights into the risks you’re navigating.
Standard pricing of $495
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Required Minimum Distributions (RMD) catch people off guard every year.
Let’s make sure yours aren’t creating unnecessary taxes or problems you could have avoided.
Standard pricing of $495
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Already have an annuity? Or want a second opinion on one you’re considering? I’ll break down where it shines, where it falls short, and assess if it’s helping or hurting your income strategy.
No sales pitch, guaranteed in writing.
Pricing varies for number of policies evaluated, with custom pricing available. Please get in touch for more specifics if interested.
Not sure what service is for you?
I create custom projects for each client to suit their needs.
Please get in touch to discuss what you’re looking for.
ABOUTI knew it could be done differently.
I’m Jay Uhlenhoff, founder of Pocket Retirement Planning, and I spent years working inside large financial services organizations — including as a financial advisor at one of the largest registered investment advisors (RIAs), managing over $200 million in client relationships — and kept seeing the same thing: people facing important financial decisions without fully understanding their options.
In most financial services firms, comprehensive discussions of conflicts of interest, incentive structures, and client education get passed over. I wanted to build something where they didn’t.
So I started Pocket Retirement Planning as a business built around education and integrity, where the goal is for you to fully understand every decision in front of you, not wonder whether a better option existed.
I’m an independent insurance professional licensed in over 20 states, and I specialize in retirement income planning, investment strategies, annuities, and life insurance. Throughout my 20-year career I’ve worked in client service roles — not sales. That directly alters the approach I take and it runs through everything I do for my clients.
Retirement Income Certified Professional (RICP®) Candidate
I hope you decide to explore working with my business.
Start with a free 30-minute conversation.
Let’s get started.
If you're ready to meet, I offer a free 30-minute conversation so you can decide
if my approach resonates with you.
Let’s begin the conversation.
Not sure where to start? I’m here to help.
Submit this contact form and I’ll reach out to you.