FOR THE NEXT CHAPTER
FINANCIAL PLANNING
HELPING YOU
TRANSITION TO a life of FINANCIAL freedom
Stepping away from full-time work is one of the biggest financial transitions you will ever make. The shift from earning to drawing down savings raises real questions about timing, income, taxes, and long-term security.
I help people who are approaching retirement build a clear path from working out of necessity to working out of choice. With a structured approach to cash flow, investments, and long-term tax planning, you will know exactly what needs to happen between now and when you retire so you can step into the next chapter with confidence.
YOUR GUIDE
ANDY KRAFFT - CPA, CFP®
(704) 619-5284
“My goal is to help you feel confident about the next chapter.”
The transition away from full-time work can feel overwhelming. After decades of building your career, shifting from earning to relying on what you’ve saved brings both financial and emotional questions.
I’ve helped many people navigate this stage with clarity and confidence. My role is to simplify the complex parts, address the concerns that keep you up at night, and give you a roadmap for retirement you can trust.
GET TO KNOW
ANDY
EVENING RITUAL
Throw on my blue-light blocking glasses, spend quality time with my wife and my kids, then wind down with a good book.
OUT OF OFFICE
Spending time with my family, or working an entire weekend on a house project that should have taken 1 hour.
ON MY BOOKSHELF
If we’re talking fiction, anything by Tolkien. When it comes to non-fiction, books on investing, economics, and history.
FAVORITE DESTINATION
Seabrook Island, SC
THE
LUMINARY EXPERIENCE
FOUNDATION
This meeting lays the groundwork for your entire plan. We take a deeper look at your values, goals, and vision for the next stage of life so every part of your financial strategy aligns with what matters most to you.
STRATEGIZE
You’ll be guided through a series of Strategy Sessions, where we’ll optimize every aspect of your finances.
IMPLEMENT
We deliver our analysis, recommendations, and next steps towards financial freedom.
ENHANCE
We work continually to adjust your Financial Plan 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?
