Joe Petry, PhD, CFP®, EA, CRPC®

Many of the individuals and couples I work with are approaching retirement after years with a traditional advisor, often without a fully integrated plan for how their investments, taxes, and spending will work together over time.

If you are nearing retirement or already retired, you will benefit from our ability to help you make informed decisions around:

• Structuring sustainable retirement income
• Managing taxes over a lifetime
• Simplifying complex financial decisions

All within a transparent, flat-fee structure.

In many cases, clients are also reassessing the cost and value of their current advisory relationship. It’s not uncommon for investors to pay significant ongoing fees without a clear understanding of how those costs impact long-term outcomes.

Retirement introduces a different set of challenges. The goal is not to eliminate uncertainty—because that’s not possible—but to build a plan designed to work through it.

What Makes Mayfair Financial Different

Much of the financial industry is built around managing portfolios relative to markets.

However, decades of market research and investor behavior studies suggest that long-term outcomes are more strongly influenced by decisions that can be controlled:

• Taxes
• Asset allocation
• Spending strategy
• Costs

My role is to help clients align their financial decisions with these principles, focusing on building a strategy that is durable across a wide range of market conditions.

The flat-fee structure supports that alignment by removing incentives tied to portfolio size or product selection.

What to expect

• A thoughtful process centered on understanding your goals and priorities
• Evidence-based decision-making
• Clear, straightforward communication
• Strategies designed for long-term reliability rather than short-term outcomes

The goal is not just to create a plan, but to ensure it reflects what matters most to you and can be followed with confidence over time.

You’ll also have ongoing access for questions and decisions as they arise.

To learn more about how I work with clients—and why many value this approach—you can visit Mayfair Financial.

About Me

I’m a CFP® professional, Enrolled Agent, and hold a Ph.D. in economics. My background as both an economist and educator shapes how I approach financial planning.

Clients often value not just the structure of the plan but also the clarity that comes from understanding how and why it works.

Next Step

If you’re approaching retirement and would like a more structured, evidence-based approach to planning, I invite you to schedule a brief introductory conversation.

We can determine whether this approach—and the flat-fee structure—is a good fit for your situation.