The Scrubs
Neill Papa
Former long-term care nurse, now a retirement strategist who reads a financial plan the way he read a chart, vitals first.
Life beyond work.
Your Retirement Lifeline
Everyone taught you how to save. Nobody taught you how to stay retired.
For people 45 and up who saved well and now want a plan for the part nobody covered. Turn what you built into income that lasts, protect it from a bad market year, and keep more of it from the taxes waiting on it.
We read retirement like a chart.
Chart No.0001 — Retirement
PatientYour retirement plan
Chief complaintSaved well. No plan for the drawdown.
Scrubs & Suits · Vitals
Vitals
Combined years in healthcare and business30+
MethodProtect · Reduce · Keep
First stepFinancial Vitals Check, free
Findings — where the gaps usually hide
- 01
Almost everything is in tax-deferred accounts. Every dollar comes out taxed as ordinary income, and the rules eventually force it out whether you need it or not.
- 02
You can't say what tax bracket you'll be in at 73. If you can't answer that, you can't plan around it, and the window to do anything about it is closing.
- 03
You have a pile of accounts, not an income plan. Knowing what you've saved isn't the same as knowing what you'll live on, in what order, for thirty years.
- 04
A bad market in your first few retirement years would force you to sell. Two people can retire with the same savings and end up in completely different places. The difference often isn't luck. It's whether they had protected money to draw from.
- 05
No one has shown you the math in writing. Income, taxes, fees, worst case. If it isn't on paper, you're being sold, not advised. That goes for us too.
Modeled outcome — illustrative example
$0+
Market risk eliminated
$0+
Fees eliminated
$0+
Taxes eliminated
Illustrative example based on a modeled client plan. Not a guarantee or an actual client result.
Retire and stay retired.
The scrubs and the suits.
One of us spent a decade at the bedside. The other spent two decades inside the rooms where careers and companies actually change. Between those two lives is most of what retirement really asks of you.
The Scrubs
The Suits
Glenna Marie
Nearly two decades leading HR, operations, and consulting through growth, layoffs, and reorganizations. She's seen what work does to a life, and what a plan does for one.
We take your vitals before we touch the plan.
Learn non-conventional strategies that the affluent have been implementing for years. Explained in plain language, applied to your numbers.
Protect.
The income you'll live on. Set aside protected income you can draw from in a down market year, so a rough first few years of retirement can't force you to sell.
Reduce.
The fees draining it. Find the drag, the fund fees, advisory fees, and buried costs, and show what they actually cost over time.
Keep.
More of every dollar. Map where your taxes are likely to land and keep more of every dollar you withdraw.
Built for the people who built everything else.
It starts with a conversation.
Fifteen minutes to walk through where you stand and find out whether what we specialize in even applies to you. If it does, the next step is a deeper, no-obligation strategy session. If it doesn't, we'll tell you that too.
Appointment slip
Next step
CallRetirement Clarity Call
Length15 minutes
CostNothing
PrepJust show up
Pick a time
You choose the slot. We call you.
What you're probably wondering.
We take your vitals. We look at where your retirement money sits today, what you want this next chapter to look like, and where the gaps are. You leave with a clearer picture of where you stand, whether or not we ever work together. No slideshow, no pressure, no pitch.
It's free, and there's no catch. The call costs you nothing and commits you to nothing. If anything we ever recommend carries a cost or a commission, we'll show you exactly what it is before you decide.
No. Nothing moves and nothing changes unless you decide it should, after you've seen the math in writing. The first conversation is just a clear look at your situation.
We're in the same industry as a financial advisor, but it's a completely different specialty. An advisor's focus is usually growing the money they manage for you, what the business calls assets under management. It's real, useful work, and many advisors are generalists by design, covering a lot of ground across investing, insurance, and retirement.
We go the other way. We specialize narrowly in one thing: protecting the money you've already built and making it efficient against the risk, fees, and taxes that quietly eat into it. And even within our own field, we work differently. Most of the industry builds around the product and the biggest sale. We build around efficiency, so more of your money stays working for you and shaped to your goals, not to a template. And we never lead with a recommendation. We start by understanding your full picture, then talk about what, if anything, fits.
Many of the people we work with do, and we're not here to replace them. Most advisors focus on growing your investments. We focus on the other end of the problem: keeping what you've built safe from a bad market year and from the fees and taxes that quietly erode it. Plenty of people keep their advisor and bring us in for the part that isn't their focus.
It's for people who've saved well and want a real plan for the drawdown years, not just a bigger pile of savings. It's honestly not for everyone. If you're early in your saving years, or you just want someone to pick stocks, we're probably not the right fit, and we'll say it. That said, there are exceptions to every rule. A lot depends on your specific situation, which is exactly what the first call is for.
Most of us were only ever shown what our employer's plan offered. Unless you went looking, how would you have seen anything else? None of this gets taught in school, and the people selling the usual products have little reason to mention the alternatives. That's the gap we work in.
Know your financial vitals. Own your future.
See where you stand.
Fifteen minutes. Your numbers, not a sales script. A clear look at the gaps between the retirement you built and the one you want.
No pitch, no pressure. Worst case, you leave smarter.
Life beyond work.
Your Retirement Lifeline
Everyone taught you how to save. Nobody taught you how to stay retired.
For people 45 and up who saved well and now want a plan for the part nobody covered. Turn what you built into income that lasts, protect it from a bad market year, and keep more of it from the taxes waiting on it.
We read retirement like a chart.
Chart No.0001 — Retirement
PatientYour retirement plan
Chief complaintSaved well. No plan for the drawdown.
Scrubs & Suits · Vitals
Vitals
Combined years in healthcare and business30+
MethodProtect · Reduce · Keep
First stepFinancial Vitals Check, free
Findings — where the gaps usually hide
- 01
Almost everything is in tax-deferred accounts. Every dollar comes out taxed as ordinary income, and the rules eventually force it out whether you need it or not.
- 02
You can't say what tax bracket you'll be in at 73. If you can't answer that, you can't plan around it, and the window to do anything about it is closing.
- 03
You have a pile of accounts, not an income plan. Knowing what you've saved isn't the same as knowing what you'll live on, in what order, for thirty years.
- 04
A bad market in your first few retirement years would force you to sell. Two people can retire with the same savings and end up in completely different places. The difference often isn't luck. It's whether they had protected money to draw from.
- 05
No one has shown you the math in writing. Income, taxes, fees, worst case. If it isn't on paper, you're being sold, not advised. That goes for us too.
Modeled outcome — illustrative example
$0+
Market risk eliminated
$0+
Fees eliminated
$0+
Taxes eliminated
Illustrative example based on a modeled client plan. Not a guarantee or an actual client result.
Retire and stay retired.
The scrubs and the suits.
One of us spent a decade at the bedside. The other spent two decades inside the rooms where careers and companies actually change. Between those two lives is most of what retirement really asks of you.
The Scrubs
Neill Papa
Former long-term care nurse, now a retirement strategist who reads a financial plan the way he read a chart, vitals first.
The Suits
Glenna Marie
Nearly two decades leading HR, operations, and consulting through growth, layoffs, and reorganizations. She's seen what work does to a life, and what a plan does for one.
We take your vitals before we touch the plan.
Learn non-conventional strategies that the affluent have been implementing for years. Explained in plain language, applied to your numbers.
Protect.
The income you'll live on. Set aside protected income you can draw from in a down market year, so a rough first few years of retirement can't force you to sell.
Reduce.
The fees draining it. Find the drag, the fund fees, advisory fees, and buried costs, and show what they actually cost over time.
Keep.
More of every dollar. Map where your taxes are likely to land and keep more of every dollar you withdraw.
Built for the people who built everything else.
It starts with a conversation.
Fifteen minutes to walk through where you stand and find out whether what we specialize in even applies to you. If it does, the next step is a deeper, no-obligation strategy session. If it doesn't, we'll tell you that too.
Appointment slip
Next step
CallRetirement Clarity Call
Length15 minutes
CostNothing
PrepJust show up
Pick a time
You choose the slot. We call you.
What you're probably wondering.
We take your vitals. We look at where your retirement money sits today, what you want this next chapter to look like, and where the gaps are. You leave with a clearer picture of where you stand, whether or not we ever work together. No slideshow, no pressure, no pitch.
It's free, and there's no catch. The call costs you nothing and commits you to nothing. If anything we ever recommend carries a cost or a commission, we'll show you exactly what it is before you decide.
No. Nothing moves and nothing changes unless you decide it should, after you've seen the math in writing. The first conversation is just a clear look at your situation.
We're in the same industry as a financial advisor, but it's a completely different specialty. An advisor's focus is usually growing the money they manage for you, what the business calls assets under management. It's real, useful work, and many advisors are generalists by design, covering a lot of ground across investing, insurance, and retirement.
We go the other way. We specialize narrowly in one thing: protecting the money you've already built and making it efficient against the risk, fees, and taxes that quietly eat into it. And even within our own field, we work differently. Most of the industry builds around the product and the biggest sale. We build around efficiency, so more of your money stays working for you and shaped to your goals, not to a template. And we never lead with a recommendation. We start by understanding your full picture, then talk about what, if anything, fits.
Many of the people we work with do, and we're not here to replace them. Most advisors focus on growing your investments. We focus on the other end of the problem: keeping what you've built safe from a bad market year and from the fees and taxes that quietly erode it. Plenty of people keep their advisor and bring us in for the part that isn't their focus.
It's for people who've saved well and want a real plan for the drawdown years, not just a bigger pile of savings. It's honestly not for everyone. If you're early in your saving years, or you just want someone to pick stocks, we're probably not the right fit, and we'll say it. That said, there are exceptions to every rule. A lot depends on your specific situation, which is exactly what the first call is for.
Most of us were only ever shown what our employer's plan offered. Unless you went looking, how would you have seen anything else? None of this gets taught in school, and the people selling the usual products have little reason to mention the alternatives. That's the gap we work in.
Know your financial vitals. Own your future.
See where you stand.
Fifteen minutes. Your numbers, not a sales script. A clear look at the gaps between the retirement you built and the one you want.
No pitch, no pressure. Worst case, you leave smarter.