Retirement planning and investment management in Reno, NV
Turn Your Life Savings into a Retirement You Don’t Have to Worry About
The Fiscal Physical® is our yearly check-up for your finances. It answers the seven questions every retiree is really asking, so you can spend less on taxes, enjoy life today, and stop wondering if you’ll have enough money to last as long as you need it.
Schedule your free 15-minute fit call. No cost. No pressure. Just a quick conversation to see if we’re a good fit.
We Check the Vital Signs of Your Financial Health
You’ve done the hard part. You saved, you invested, and you built something real. But now the questions change. Instead of “how do I grow it,” it becomes “how do I make it last, how do I not overpay in taxes, and when can I finally relax and enjoy it?”
Most people don’t lose sleep because they’re short on money. They lose sleep because no one has shown them, in plain numbers, that they’re going to be fine.
That’s what we do.
A yearly check-up for your money
You get a physical for your health every year. The Fiscal Physical® does the same thing for your finances. It’s our proprietary process, and the foundation of every client relationship.
Once a year, we sit down with you for 60 minutes and walk through the seven questions that matter most in retirement.
No confusing spreadsheets. No jargon. Just clear answers about where you stand and what to do next. We handle the rest behind the scenes all year long, so you don’t have to.
Ryan Nelson MBA – Chief Financial Planner
The Seven Questions we Answer
No confusing spreadsheets. No jargon. Just clear answers about where you stand and what to do next. We handle the rest behind the scenes all year long, so you don’t have to.
“Am I saving enough?” or – “Do I have enough?”
This is the question underneath all the others. We look at everything you’ve built, your 401(k)s, IRAs, and savings, and show you in plain numbers exactly where you stand.
Still working: we tell you if you’re on track and what to adjust.
Already retired: we confirm your money can support the life you want.
“How much can I safely spend each year?”
Once you stop working, your paycheck has to come from your savings. We map out a steady, reliable amount you can spend each year without the fear of running out.
Think of it as your retirement paycheck from the money you already have.
“How do I pay less in taxes over my lifetime?”
Most people save everything in a pre-tax 401(k), then get surprised when every withdrawal is taxed as income. We build a multi-year plan that pulls from the right accounts at the right time, using tools like Roth conversions.
You keep more of what you saved, year over year, and hand less to the IRS.
“Are my investments set up the right way?”
While you’re working, the goal is growth. In retirement, the goal shifts to protecting what you have while still staying ahead of inflation.
We make sure you’re taking the right amount of risk for this stage of life.
“When should I start Social Security?”
We cut through the noise and run the numbers for your exact situation, including how to coordinate the timing between you and your spouse.
Claiming at 62, 67, or 70 can mean a difference of hundreds of thousands of dollars.
“What if something big goes wrong?”
A market drop. A health event. The loss of a spouse. We stress-test your plan against the hard scenarios before they happen. Social security cuts, steep market declines, or higher inflation are just a few of the potential scenarios we look at. That’s the difference between hoping you’ll be okay and knowing it.
You’ll be prepared either way.
“What will healthcare cost me, and can I avoid surprises?”
We plan ahead for it, including Medicare’s IRMAA surcharges, the extra premiums that quietly kick in when your income looks high on paper. The goal is simple: no surprises.
Healthcare is one of the biggest and most overlooked costs in retirement.
You shouldn’t have to be a financial expert to retire well. That’s our job. You just get to enjoy the results.
Why families trust us
We’re independent, fee-only fiduciaries.
No commissions, no products to push, no hidden conflicts. We only do well when you do well.
We answer the same day.
Direct access to our team by phone, email, or video. No hourly billing for a phone call.
We make it make sense.
Our whole approach is built on explaining complex things in plain language. If it doesn’t click for you, we haven’t done our job.
You hand it off completely.
Most clients come to us because they want to stop managing all of this themselves. We take it off your plate, and keep you informed every step.
Alchemy Wealth Management was founded by Ryan Nelson, bestselling author of Your Fiscal Physical: 7 Keys to Becoming Fiscally Fit and host of The Fiscal Physical Retirement Podcast. Based in Reno, serving clients nationwide.
Getting Started is Simple
We don’t do high-pressure sales pitches or piles of confusing paperwork. Here’s the whole path.
The 15-minute fit call
A quick, free phone call. You tell us what you’re looking for, we share how we help, and together we decide if it’s worth a closer look. No commitment.
The 60-minute deep dive
Let’s make sure your money is working as hard for you as you did for it.