Get a Fresh Look at Your Retirement Plan—Without the Sales Pitch.

Find out what’s working, what’s risky, and what your advisor might’ve missed…

Before the markets—or taxes—do it for you.

What You Don’t Know Can Cost You.

You’ve saved well.
Maybe you already have an advisor.

But here’s the thing:
Even smart, well-advised retirees miss stuff.

• A tax trap baked into your withdrawal strategy
• A Medicare cliff no one warned you about
• Fees hidden behind layers of “service”

And those misses?
They don’t show up in year one.
They show up right when you need things to be smooth.

That’s why this review exists.
Not to scare you.
To spare you.

Here’s What You Actually Get

You’ll get a plain-English, pain-point-punching review of your current plan that includes:

✅ Portfolio Risk Check
See how much you could lose in a downturn—and whether your portfolio matches your real-life goals.

✅ Tax Efficiency Review
We’ll map where you might be bleeding money in hidden taxes—and how to fix it.

✅ Withdrawal Strategy Scan
Are you pulling from the right buckets? Or lighting money on fire?

✅ Blind Spot Report
Missed Roth opportunities, Medicare cliffs, legacy oversights—surfaced and explained.

✅ Short Summary + Optional Call
You’ll get a clear write-up. No pressure. No jargon. Just insight you can use.

Not Just Another Advisor.
Not Even Close.

The Industry Standard Model

⚠️ Charge a percentage of your money
⚠️ Tell you to “Talk to your accountant.”
⚠️ Offer over-priced investments with a sizzling story

I don’t do that.

Encore Retirement Planning

✅ A flat, transparent fee.
✅ I plan like I’ll be the one living with the consequences.
✅ And I do your taxes too—because strategy without implementation is just noise.

This is personal. This is profound. This is Encore.

Encore Retirement Planning Has Been Featured In

Not Your Typical Financial Advisor.

(Because you’re not looking for typical.)

I’m Matt Argyle, CFA, CFP®, EA

I run Encore Retirement Planning—solo, flat-fee, and fully on your team.

I help high-net-worth retirees see what others missed.

Less confusion. More clarity.

No big firm agenda. No AUM percentage. Just real planning for real people.

✅Flat-fee
✅Fiduciary
✅Retirement Specialist
✅Chartered Financial Analyst® (CFA)
✅Certified Financial Planner™ (CFP)
✅IRS Enrolled Agent (EA)
✅Based in Salt Lake. Serving clients across the U.S.

Let’s See What We Find

Request My Review

Who this review is designed for:
This service is built for individuals or couples with $2 million or more in investable assets. That’s the point where the value-to-cost ratio really swings in your favor—and small improvements can have serious consequences.

If that’s you—and you’re looking for clarity, not a sales pitch—you’re in the right place.

Good Questions. Quick Answers.

What’s the catch?
None. The review is free. There’s no sales pitch. If you want to work together after, we’ll talk. If not, you’ll still leave smarter.
How long does the review take?
About a week from start to finish. You’ll fill out a short intake, I’ll send you a custom review, and we’ll walk through it together on a call.
What if I already have a financial advisor?
Great. This isn’t about replacing them—it’s about giving you a second opinion with fresh eyes and fewer conflicts.

Will you try to sell me something?
Nope. No insurance. No investment products. No hidden fees. Just advice. If we’re a fit, we’ll talk about next steps. If not, no pressure.
Do I need to live in Utah?
Not at all. I work with clients across the U.S. via Google Meet, email, and phone. One of the perks of modern retirement planning.

50 Days to Retirement Clarity

Enter your email for 50 days of surprisingly fun, refreshingly useful emails that walk you through the retirement planning process—from income and taxes to legacy and peace of mind.

One smart idea a day. Delivered with clarity (and a little flair).

✅ No login. No overwhelm. Just one good idea a day.

Start The Course