You’ve built the savings.
Now build the retirement plan.
Flat-fee retirement planning and investment management for people approaching or already in retirement.
Bring your income, taxes, investments, Social Security, and Medicare together in one coordinated plan.
Schedule a Strategy SessionWork directly with Nestor Vargas, CFP®. Generally serving households with $1.5 million or more in liquid investments.
CFP® professional
Focused on retirement
Flat-fee planning & investment management
The questions change as retirement gets closer.
You’ve spent years building your savings. Now the decisions are about how to use them.
A withdrawal can change your taxes. A Roth conversion can affect Medicare premiums. Each decision deserves a view of the whole plan.
- How much can I spend without losing sight of the years ahead?
- Which accounts should I use for income, and when?
- How do Social Security, taxes, and Medicare fit together?
- How should my investments support life after work?
We help you work through these questions together.
The Retirement Alignment System™
One plan. Connected decisions.
Your income, taxes, and investments should support the same retirement. Our framework brings those decisions together and keeps them connected as life changes.
01 / CLARIFY
Start with your life.
Understand what retirement looks like for you, what you have today, and which decisions need attention first.
02 / COORDINATE
Connect the moving parts.
Align your retirement income, tax planning, investments, Social Security, Medicare, and estate considerations.
03 / ADJUST
Keep your plan aligned.
Revisit your plan as your priorities, markets, and tax laws change, so each next decision has context.
Client experiences
A relationship built around listening.
“Nestor and his team have changed my life.”
Steve R. · Client review · February 2025
“Nestor keeps us on track and truly listens to us.”
Kim B. · Client review · February 2025
Excerpts from Wealthtender Certified Advisor Reviews™. These reviewers received no compensation and reported no material conflicts of interest. Client reviews may not represent the experience of all clients and are not a guarantee of future performance or success.
Why AlignPoint Wealth
Know your advisor. Understand your fee.
A straightforward flat fee.
Retirement planning and investment management with a clear flat fee. Typical quarterly fees are $2,575 for an individual household and $3,075 for a couple.
A direct relationship.
Work directly with Nestor Vargas, CFP®, with client service support from Kaitlyn Clark.
A coordinated view.
Discuss investment decisions in the context of your income needs, taxes, and the life you want to live.
Your AlignPoint team
People you’ll get to know.
Nestor guides your financial planning. Kaitlyn helps keep your client experience organized and responsive. Together, we make it easier to know who to turn to.
Meet your team →
Nestor Vargas, CFP®
Founder & Financial Planner
Kaitlyn Clark
Client Relationship Manager
Getting started
Get to know us before you decide.
Start with a conversation. You’ll have an opportunity to understand our approach and where we may be able to help before becoming a client.
01
Your Strategy Session
A complimentary conversation about your goals, current situation, and the retirement decisions on your mind.
02
Your personalized proposal
If there’s a mutual fit, we’ll meet one or two more times, at no cost, to explain where we can help, our fee, and what working together would involve.
03
Your ongoing plan
If you choose to become a client, we begin the Retirement Alignment System™ and work together to keep your plan aligned over time.
Complimentary · 45 minutes · Secure video meeting