 As I will be retiring in September of 25, I would like to find a fee-only fiduciary to review our asset allocation, maybe to reduce my fees, and also look at our returns and risk, tax planning, distribution strategy, as well as advise on Social Security and pension choices. Sounds like a perfect candidate for a financial plan. Okay, Mark goes on to write, my wife is 57 and is retired. Her pension is $39,000 a year net.