Planning for retirement doesn't have to be overwhelming. At Monadnock Retirement Solutions, we make it straightforward and personalized. As a fiduciary advisor in the Monadnock Region of New Hampshire, Tom Villeneuve focuses on integrating Medicare Insurance, Social Security, investments, taxes, and estate planning into one cohesive strategy — with no product sales or commissions. The key? Start with a no-obligation conversation. Here's exactly how the process works — and why clients trust us to reduce stress and build confidence.

Step 1: Schedule Your Free Initial Consultation
Reach out today — it's quick, confidential, and completely free. Call Tom at 603-491-4092 anytime or submit the quick form below. We'll set up a 30–60-minute call or in-person meeting (Zoom works great too). During this no-pressure session, you'll share your current situation and goals. We'll discuss:

Your vision for retirement (where you'll live, travel, hobbies, family priorities).
Key concerns (e.g., outliving your money, healthcare costs, taxes in NH).
Medicare enrollment timing, Social Security claiming options, and how they fit your overall assets.
Step 2: Gather & Review Your Information
After the initial chat, we'll collect key details (you provide what you have — no rush):
- Recent statements from 401(k)s, IRAs, pensions, or other accounts.
- Social Security estimates (from ssa.gov).
- Medicare status or upcoming enrollment details.
- Income sources, expenses, debts, and estate documents.
Tom analyzes everything holistically: cash flow projections, inflation impact, portfolio risk, tax efficiency (including Roth conversions or rollovers), and survivor protection. You'll receive a clear summary of strengths and opportunities — all tailored to New Hampshire rules (no state income tax on Social Security, for example).
Step 3: Receive, review & Implement Your Customized Plan
We present your personalized retirement blueprint:
- Recommended strategies (e.g., optimal SS claiming age, Medicare plan choices, investment adjustments).
- Projected scenarios (what-if models for different life events).
- Actionable next steps with timelines.
If you like the plan, we implement it together — with ongoing annual (or as-needed) reviews to adapt as life changes. You're always in control; we're here as your independent fiduciary guide.

Why Clients Choose to Start with Us

Fiduciary & Independent — We put your interests first, with no commissions or product pushes.

Specialized Expertise — Deep knowledge of Medicare and Social Security integration since 2012 — rare even among financial pros.
Local & Personal — Proudly serving Hancock, Keene, Peterborough, and the Monadnock Region — real conversations, not corporate scripts.
No-Obligation Start — Free consultation means zero risk to explore if we're the right fit.
Proven Results — Clients report less stress, better decisions, and confidence in their future (see testimonials on the homepage).

Common Questions Before Getting Started

Do I need to prepare anything for the first call?
No — just your goals and any immediate questions. We can guide you on what to gather later.

How long does the full planning process take?
The initial consult is 30–60 minutes. Full plan development usually 2–4 weeks, depending on info provided.
Is there any cost for the consultation or plan?
The first consultation is always free and no-obligation. Ongoing planning is fee-based (transparent, discussed upfront).
What if I'm not ready to commit?
That's fine — many start with just questions about Medicare or Social Security. We're happy to help without pressure.
Ready to take the first step toward a stress-free retirement? Call Tom today at 603-491-4092 for your free consultation — or fill out the quick form below. We'll respond within one business day.

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