Retirement Cash Flow Planning
Turn your savings, Social Security, and pensions into dependable retirement income.
The $99 Complete Estate Plan
A Proper Plan Makes Retirement Easier
It starts with the essentials. Get your Will, Power of Attorney, and Healthcare Directive done right for $99.
See what is includedComplete Estate Plan
Typical attorney cost
$2,500+
$99
Will · Power of Attorney · Healthcare Directive
Free 15-minute call. No obligation.
Independent, Full-Service Advisory Firm
No proprietary products. Advice built around you, not a sales quota.
Focused on Pre-Retirees and Retirees
Retirement is all we do, so the whole plan is built for this stage of life.
45 Years of Combined Experience
A seasoned team that has guided families through every kind of market.
Everything your family needs, for $99
The three documents that make a complete estate plan. At an attorney, these run $2,500+. Here, all three are $99, plus a free 15-minute call to walk you through them.
- Last Will & Testament~$800
- Durable Power of Attorney~$500
- Healthcare Directive~$400
- Typical total at an attorney$2,500+
- All three, today$99
Why is it only $99?
Because it is how we introduce ourselves. No hourly billing, no retainer, no obligation. Just a complete plan your family can count on, and a free 15 minutes to walk you through it.
Book a Free Call
No obligation. Walk away with a plan, or just walk away.
Why families choose Proper Retirement
We are an independent firm with no proprietary products, so the advice is built around you, not a sales quota. We work only with pre-retirees and retirees, we teach before we recommend, and our practice has grown through referrals from families we have helped.
- Independent, full-service advisory firm
- Retirement is all we do
- Education-first: we explain the plan in plain language
- Held to a fiduciary standard as CFP® professionals
45years of combined experience
Recognized by the industry
2023 Wealth Management “Rising Star”
Industry Award honoree, one of 13 nationally.
AdvisorHub “RIAs to Watch”
Named to the national list of advisors to watch.
Who you are booking with
Erik Schuster, CFP®
Erik is the founder and managing partner of Proper Retirement in Wayne, PA. A financial planner and tax strategist since 2013, with prior experience at Vanguard, he builds holistic, tax-smart retirement plans for hardworking families. He will personally walk you through your plan on the call.
- CFP®, MBA
- Founder & Managing Partner
- Advisor since 2013
No plan? The government already has one for you.
And it runs through probate. Here is what that can mean for the people you love.
The state's formula decides who inherits, not you.
Probate can tie up your estate for months.
Court and legal fees shrink what your family receives.
Your loved ones are left guessing at your wishes.
Pick a time for your free 15-minute call
No pressure and no obligation. Come with your questions about your will, your family, or your estate, and leave with a clear next step.
Rather talk it through first? Call (484) 580-2118
What else we do
The $99 estate plan is where many families start. From there, Proper Retirement coordinates every part of your retirement under one roof.
Estate & Legacy Planning
Pass on what you built the way you intend, coordinated with your family and attorney.
Tax Strategies
Roth conversions, withdrawal sequencing, and RMD planning to keep more of what you have.
Investment Management
A portfolio built around your retirement timeline, income needs, and real risk tolerance.
Insurance Integration
Medicare, long-term care, and life insurance reviewed as one part of the whole plan.
Real Estate Investment Integration
Rental income, 1031 exchanges, and DSTs folded into your retirement picture.