Retirement Planning Kennewick WA | Monson Wealth A solid black circle centered on a white background.A solid black circle centered on a white background.A simple, black

When should I start retirement planning?

Ideally 5-10 years before your target retirement date, but it's never too late. We work with contractors at all stages—whether you're in your 40s starting to think about retirement or in your 60s ready to make the transition. The earlier you start, the more options you'll have.

What happens to my pension when I change contractors?

It depends on the specific contractors and pension plans involved. Some Hanford pensions are portable within the DOE complex, while others require different strategies. This is exactly the kind of question we help answer—there's no one-size-fits-all answer, and getting it wrong can cost you thousands.

Do you charge commissions on investments?

No. We're fee-only fiduciary advisors, which means we don't earn commissions or sell financial products. You pay us for advice, and we're legally required to put your interests first. No conflicts of interest, no hidden fees.

Can you help if I've worked for multiple Hanford contractors?

Absolutely. In fact, this is one of our specialties. Many of our clients have worked for 2, 3, or more different contractors over their careers. We help you understand each pension, coordinate multiple 401(k) accounts, and create one unified retirement strategy.

How do you charge for your services?

We offer several service models depending on your needs, including comprehensive planning, investment management, and consultation-only services. During your free initial consultation, we'll discuss your situation and explain which approach makes sense for you—with no obligation.