Ignite Financial

Ignite Financial Planning is a fee-only fiduciary financial planning firm based in Cedar Falls, Iowa, serving individuals and families in the Cedar Falls–Waterloo area and clients across the United States. Our firm specializes in helping people who are approaching retirement or have recently retired make the transition from decades of saving to confidently living off the wealth they have built. Many of our clients successfully managed their finances and investments on their own for years. As retirement approaches, however, the financial decisions become more complex and the stakes become higher. Questions around Social Security, tax planning, withdrawal strategies, and investment allocation can have a significant impact on long-term financial security. At Ignite Financial Planning, we focus on providing clear, practical guidance and a comprehensive financial plan so our clients can move into retirement with confidence. Our planning process helps clients: • Determine when they can retire • Build a tax-efficient retirement income strategy • Decide when to claim Social Security • Create a sustainable withdrawal plan from retirement accounts • Structure an investment portfolio appropriate for retirement • Plan for healthcare, long-term care, and legacy goals As a fee-only firm, we do not sell financial products or earn commissions. Our advice is always aligned with the best interests of our clients. Our goal is simple: to help people enter retirement with clarity, confidence, and peace of mind.