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 ready to feel confident in a real strategy.
One flat fee
No asset minimums
No long-term commitment
My clients found their version of the basics on their terms: spend less than you make, save and invest consistently, avoid big mistakes.
But when they thought about retirement, the answers weren’t so obvious.
Social Security.
Taxes and RMDs.
Withdrawal strategies.
Interconnected areas where their choices today directly impact their options in retirement.
I look at my client’s financial picture, compare against their retirement goals, and then outline what’s aligned, what’s not, and what to do next. I provide professional insights personalized to you and your values, not generic advice.
My services are designed to achieve the outcomes that matter most and I’ll help you make the decisions that keep more of your dollars in your pocket, doing what they’re supposed to do.
MY APPROACHIndependent.
Education-forward.
Reliable & transparent.
The financial planning I provide isn’t tied to a single company, product, or sales quota, so recommendations I make are guided by putting your interests first, and not settling for good enough.
To build your confidence and your trust in what we’re doing, I’ll explain the tradeoffs to every decision, how I’m compensated, and clearly state if something isn’t a fit for you.
The goal isn’t for you to rely on me, paying ongoing fees every month, every year. It’s to create a project to tackle the problems you’re facing then nail the outcomes we outlined together, so you can feel confident in your decisions and executing on the strategy we devised.
SERVICESTrade uncertainty for clarity, and take action.
Every project has a defined start and finish. You pay a flat fee upfront so you know what you’re paying, you know what you’re paying for, and then we get started.
No asset minimum to work with me.
No long-term commitment.
No annual fees and no 1% fee every year.
No hidden agenda.
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Are you actually on track for retirement? It’s time you finally got an honest answer.
You’ll come away with confidence in where you’re at, what your biggest risks are, and what you can do about them in clear next steps.
This isn’t a comprehensive financial plan, and it isn’t a product pitch. It’s a straight answer to the questions actually keeping you up at night.
Designed for those within 15 years of retiring.
$600 one-time, flat fee
(Pricing may increase with the complexity of your situation; clearly quoted upfront) -
A clear look at where your finances stand today, assessing how they align with the retirement you want, and the decisions that deserve your attention next.
Designed for those mid-career.
$400 one-time, flat fee
(Pricing may increase with the complexity of your situation; clearly quoted upfront) -
Are you struggling to make sense of an annuity you own?
I have the technical expertise to break it down in plain terms, describe what it’s designed for, and help you assess how it fits into your overall retirement plan.
This education-forward review is intended to help you discover the options you have so you can decide what happens next.
Free of charge, and free from a pressured sales pitch.
Not sure what you need?
The projects I create for clients are always tailored to suit their needs. Please get in touch to discuss what you have in mind.
ABOUTI knew it could be done differently.
I’m Jay Uhlenhoff. I spent a decade of my career in financial services and kept seeing the same thing: clients being advised on important financial decisions without being fully aware of the tradeoffs or the incentives of the person in front of them.
In most financial institutions, thorough client education and comprehensive discussions of conflicts of interest and compensation structures get passed over. I wanted to build something where they didn’t.
I built Pocket Retirement Planning with the customer’s interests first, supported by education and transparency, where the goal is for you to really understand the options in front of you, not wonder whether a better option existed. 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.
I’m an independent insurance professional, a previously registered investment adviser, and I specialize in retirement income planning (with annuity expertise), life insurance, and financial education.
Retirement Income Certified Professional (RICP®) Candidate
Active Insurance license in Oregon and 27 other states (NPN: 21260158)
I hope you decide to explore working with me.
Start with a free 30-minute conversation.
In the photo: Jay with his wife (Cayla) and his son (Teddy)
Let’s get started.
I offer a free 30-minute call so you can decide
if my approach resonates with you and we’re a good fit to work together.
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 within 24 hours.