Michael Dunlop (CFP®)
Michael Dunlop focuses in the
following client markets or areas of practice:
- Investment Advice with Ongoing Management
- Retirement Plan Investment Advice
- Tax Planning
- Investment Advice with Ongoing Management
- Retirement Plan Investment Advice
- Tax Planning
Planning Specialties
I am a fee-only financial planner serving retirees and those approaching retirement in Cedar Falls and Waterloo, Iowa, as well as clients across the United States. My ideal clients are people who have worked hard, saved diligently, and are now asking an important question: “Am I truly ready to retire?” Most of the people I work with are: • Within 5–10 years of retirement or recently retired • Have accumulated $1M–$10M in retirement savings • Have managed their investments themselves for many years but now want professional guidance • Are married couples planning the transition into retirement • Want help making smart decisions around Social Security, taxes, and withdrawals • Value working with a fiduciary, fee-only advisor • Want a comprehensive financial plan, not just investment management The major questions I help clients answer include: • Can I retire now without running out of money? • When should I claim Social Security? • How do I reduce taxes in retirement? • What is the best strategy for withdrawing from my retirement accounts? • How should my investments be allocated once I retire? • How do we plan for long-term care and legacy goals? • What financial decisions should we make in the years leading up to retirement?Additional Information
I operate as a fee-only fiduciary financial planner and charge a flat planning fee based on the complexity of a client’s situation, rather than commissions. I chose this structure because I believe it is the most transparent and client-aligned way to deliver financial advice. My clients know exactly what they are paying and can be confident that my recommendations are not influenced by product sales or commissions. My focus is on comprehensive financial planning—helping clients make informed decisions about retirement timing, tax strategy, investment allocation, Social Security, and withdrawal planning so they can move into retirement with clarity and confidence.NAPFA Start Date
March 31, 2017
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