Life is Long. Earth is Short.
And God put you here for a reason.
Optimize Your Fruit-Bearing Potential
While our lives are very long (eternal, in fact), our time on this earth is very short.
We have a responsibility to use temporary resources during this temporary time,
to impact others permanently (Luke 16).
My lifelong mission is to optimize the resources for those who understand this,
and to help them do the same for others.
Your next chapter matters.
Retirement Planning & Investment Management
Why Worthwhile Retirement?
Tax-efficient retirement planning.
My expertise is in the retirement, or "distribution," stage of life.
I specialize in tax and income planning for those who are either already retired or are soon to be.
Deliberately small, by design.
Instead of working with 100+ clients and providing average service, I cap my practice at ~40 ongoing client relationships.
This is done in order to deliver a superior level of financial planning and client service.
Currently serving: 13 families (yes! we're accepting new clients).
Independent & fee-only.
Unlike most investment firms, I have no involvements with any particular products or funds.
I don't earn commissions for recommending one solution over another, thereby removing the most prevalent conflict-of-interest in the financial planning world.
About Me
Hi, I’m Jacob George, CFP®. I'm a retirement planner with lots of opinions. This is true about me in general, but especially when it comes to personal finance. I think it only fair to lay these opinions out on the table, so that you know what to expect.
On a Personal Note
In the small town of Greenwood, AR, I share my life with my beautiful wife Caitlin, and our two perfect daughters. My favorite season is fall, my favorite day of the week is Tuesday, and my favorite weather is a light drizzle. I love disc golf, swimming, and pickleball. I love travel hacking with points and miles credit cards. And I love spending time with my church family at the Valley View Church of Christ.
Life is Long. Earth is Short.
One of my favorite coworkers from my software days was an atheist. One day he said: "Isn't it interesting that we say 'life is short,' when it is literally the longest thing we'll ever experience."
I remember feeling so sad for him. Not just because that could become his reality, but because that was worldview — that once you die, it's over. Life, as Jesus defines it, isn't short at all. It's extremely long; eternal, in fact. What is short is our time on this earth. And how we spend our short time (and other resources), has an eternal impact — not just for ourselves, but the world around us.
"Life is short?" No. Life is long. It is earth that is short.
Two Ways We Can Work Together
One-Time
Financial Plans
For the "DIYer" seeking expert guidance without the asset management. This is a complete, comprehensive plan to carry you through your current life stage.
(Available for all ages)
Ongoing Retirement Planning
A continuous partnership through your retirement years. I'll work with you as life unfolds, adapting your plan and managing your investments.
(Age 50+)
One-Time Plans
Choose your plan based on your current life stage.
For Accumulators
Building Wealth & Planning Ahead
A comprehensive plan for those in their 20s-40s focused on optimizing investments and setting a clear path toward retirement.
For Pre-Retirees
Ready to Retire? Let's find out!
A detailed evaluation into your retirement readiness for those who believe they're within 5 years of retirement.
For Retirees
Optimizing Your Retirement Years
A comprehensive plan to optimize your taxes, organize your income, and help you avoid dying with too much money.
One-Time Plan for Accumulators
A comprehensive financial plan to optimize your wealth-building years and set a clear path toward retirement.
📊 Building Wealth
- Optimizing investments from now until retirement
- Maximizing retirement account benefits
🎯 Planning Ahead
- Prepping for a tax-efficient retirement
- Projecting retirement date scenarios
✓ Getting Organized
- Analyzing cash flow and budgeting strategy
- Covering insurance and estate planning essentials
The Process
Intro Call
Free consultation
Data & Review
Gather & verify info
Plan Delivery
Complete analysis
Implementation
Follow-up support
Timeline: 3 months from start to finish
Half due upon agreement · Half upon plan delivery
You'll receive your complete written financial plan, plus lifelong access to RightCapital financial planning software and 12 months of email support following plan delivery.
Want ongoing support? After completing your plan, you may schedule hourly refinement sessions at $175/hr to adapt your plan as life changes.
One-Time Plan for Pre-Retirees
A deep-dive financial analysis to answer one critical question: When can you retire?
📊 Retirement Analysis
- Evaluating retirement readiness
- Running retirement "what-if" scenarios
- Investing through the transition years
🎯 Critical Decisions
- Learning how to replace your paycheck in retirement
- When to file for Social Security
- Pension vs lump sum analysis (if applicable)
- Healthcare planning before & after Medicare
✓ Protection & Review
- Reviewing insurance policies
- Refining the estate plan
The Process
Intro Call
Free consultation
Data & Review
Gather & verify info
Plan Delivery
Complete analysis
Implementation
Follow-up support
Timeline: 3 months from start to finish
Half due upon agreement · Half upon plan delivery
You'll receive your complete written financial plan, plus lifelong access to RightCapital financial planning software and 12 months of email support after plan delivery.
Want ongoing support? After completing your plan, you may schedule hourly refinement sessions at $175/hr to adapt your plan as life changes.
One-Time Plan for Retirees
A comprehensive plan to optimize your retirement income, minimize taxes, and help you get the most out of retirement.
📊 Tax Efficiency & Withdrawals
- Multi-year Roth conversion strategy and calendar
- Strategic account withdrawal sequencing by year
- IRMAA planning and minimization
- Required Minimum Distribution (RMD) planning
- Tax-efficient charitable giving (QCDs)
🎯 Income & Spending Strategy
- Annual income projections and spending levels
- Comprehensive distribution strategy
- Spending optimization: making sure you don't die with too much leftover
- Social Security optimization (if not yet claimed)
✓ Complete Planning
- Investment strategy through your retirement years
- Estate plan optimization to ease the burden on heirs
- Insurance needs assessment
The Process
Intro Call
Free consultation
Data & Review
Gather & verify info
Plan Delivery
Complete analysis
Implementation
Follow-up support
Timeline: 3 months from start to finish
Half due upon agreement · Half upon plan delivery
You'll receive your complete written financial plan, plus lifelong access to RightCapital financial planning software and 12 months of email support after plan delivery.
Want ongoing support? After completing your plan, you may schedule hourly refinement sessions at $175/hr to adapt your plan as life changes.
Ongoing, Comprehensive Retirement Planning
I provide ongoing retirement planning and investment management for families who are retired or soon to be.
Common Questions We Solve For
- "Am I truly ready to retire?"
- "When should I claim Social Security?"
- "Which accounts should I pull from first?"
- "How do Roth conversions fit into my plan?"
- "How much can I spend each year without running out?"
- "What happens to my spouse if something happens to me?"
What You Get
At the beginning, you receive a comprehensive financial plan that serves as our guide for future decision making. This plan is a living, breathing, evolving presentation. After we discuss your initial plan, I work closely with you to adapt and refine it as life unfolds.
- Reallocating investment portfolios
- Setting up and implementing a portfolio distribution plan
- Annual income & tax projections, including Roth conversion analysis, IRMAA planning, tax loss/gain harvesting, and charitable giving
- Finetuning your estate plan
- Assessing insurance needs
We typically have two formal meetings per year to update your plan, refine your withdrawal strategy, set tax planning objectives, and discuss any questions or concerns you have. But of course, you're not limited to only working with me every six months — I'm here for you as life unfolds. I'm accessible by zoom, phone, or email as life happens and decisions need to be made.
Your RightCapital Portal
You'll have continuous access to your personal finance portal through RightCapital. It aggregates information from all your banking, investment, and lending accounts into one view. You can see your net worth, investment holdings, cash flow projections, and a variety of other reports.
Where Your Accounts Are Held
We provide ongoing discretionary management of your investable assets, held in custody at either Charles Schwab or Altruist, depending on client needs and preferences. Our straightforward, passive, fee-conscious investing approach ensures your portfolio remains diversified, low-cost, and properly allocated for your situation.
Who This Is Best For
This ongoing relationship is best suited for individuals and couples who are in or within a few years of retirement (age 55+) and want a trusted fiduciary through the distribution years. Our typical client looks something like this:
- Age 50+
- Single or married; children typically independent
- Retired or within a few years of it
- Is involved in their local church congregation
- Expects to receive Social Security
- Does NOT own any private investments, such as hedge funds, private equity, partnership interests, etc.
- Does NOT own foreign investments outside the U.S.
Simple, Transparent Pricing
It typically takes some digging to find out how much a financial advisor charges. I thought I would save you the trouble and put it right here. As a fee-only advisor, I don't earn commission or hidden compensation. The only fee I charge is a percentage based on the assets I manage for you.
| Assets Under Management | Annual Fee |
|---|---|
| $0 – $1m | 1.00% |
| $1m – $3m | 0.75% |
| $3m – $5m | 0.50% |
| $5m – $10m | 0.33% |
| $10m+ | 0.25% |
How You Can Reach Me
If you feel Worthwhile Retirement may be a good fit for what you're looking for in an advisory relationship,
please fill out the form below.
Other Inquiries
If you have questions outside of becoming a client, feel free to reach me directly at jgeorge@worthwhileretirement.com