Even if you've Been Investing For Years But Still Don't Know
Your Retirement Timeline.

Hello!
Seven years ago, I was over six figures in debt.
I was doing my best financially, but I felt stuck. I didn’t know if I was behind, how much I needed for retirement, or when work could actually become optional.
Everything changed when I calculated my retirement number.
For the first time, I could see what was possible.
And that clarity lit a fire in me.
I aggressively paid off my debt so I could redirect that money toward investing.
Once I knew my number, every financial decision became easier and more intentional.
Today, I’m on track to retire 10 years earlier than planned.
That’s why I created the Retirement Clarity Session.
Because once you know:
how much you need
when you can retire
and how flexible your plan is
Your money decisions become clearer, more focused, and more powerful.
This session is designed to give you that same clarity — so you can move forward with confidence and potentially retire sooner than you thought possible.
Valerie Fender
Founder, Fender Financial Coaching

Does it feel like not knowing your retirement number is keeping you stuck?
It can be overwhelming saving for retirement without a clear target — leaving you unsure whether you're doing enough or how close you really are.
You might be wondering:
• Am I saving enough?
• When can I realistically retire?
• Can I retire earlier?
• How much can I spend?
• What happens if the market drops?
Without clarity, retirement always feels someday… not real.
But you don’t have to stay stuck in that uncertainty.
The Retirement Clarity Session gives you a clear, personalized retirement roadmap based on your real numbers — not generic rules.
Together, we’ll:
• Calculate your retirement number
• Identify when work becomes optional
• Run multiple retirement scenarios
• Test early retirement possibilities
• Create clarity around your timeline
So instead of guessing…
You’ll know exactly where you stand and what’s possible.
This is where retirement shifts from uncertain to clear.
Get Clarity On Where You Stand Today Without Trying To Calculate Everything Yourself
Even if you're Unsure About Some Of Your Numbers, this step helps you Understand Your Current Savings, Spending Assumptions, And Retirement Timeline So You Can See Exactly Where You Stand.
Run Personalized Retirement Scenarios Without Relying On Generic Retirement Rules.
Experience Greater Confidence by Testing Multiple Retirement Timelines, Including Retiring Earlier, Adjusting Spending, Or Working Part-Time, even if you’ve never Run Retirement Projections Before.
Know Your Retirement Number And Timeline without Wondering If You're Saving Enough. Finally, you’ll Walk Away Knowing When Work Becomes Optional, How Much You Can Spend, And How Flexible Your Plan Is, even if Retirement Has Always Felt Far Away.
Stuck Guessing Your Retirement Number
Constantly Wondering If You're saving Enough.
Overwhelmed by Retirement Planning
Struggling to Understand What Your Investments Actually Mean.
Frustrated With Generic Retirement Rules
Using Outdated Guidelines That Don't Reflect Your Real Life.
Worrying About Retiring Too Early (Or Too Late)
Unsure When Work Actually Becomes Optional.
Doubting Whether You're On Track
Not Knowing If You'll Really Be Able To Retire Comfortably.
Clear On Your Retirement Number
Know Exactly How Much You Need To Retire.
Feel Confident About Your Timeline
Understand When Work Becomes Optional.
Personalized Retirement Scenarios
See How Different Choices Impact Your Future.
Focused And Intentional Planning
Make Decisions Based On Real Numbers, Not Guesses.
Clarity And Peace Of Mind
Finally Know Where You Stand And What's Possible!
The #1 Coaching for Women Who Want to Retire Earlier With Confidence

Personalized Retirement Scenario Modeling
We run multiple retirement scenarios based on your real numbers so you can see exactly when work becomes optional.
Your Retirement Number Calculation
Know how much you actually need to retire — based on your lifestyle, not generic rules.
Work Optional Timeline
Discover the age where work becomes optional and what flexibility you have.
Retirement Spending Analysis Value
Understand how much you can safely spend in retirement without running out of money.
Live Walkthrough of Your Plan
We review your results together and adjust assumptions in real time so everything feels clear and realistic.
Fast-Action Bonus: Retirement Flexibility Checklist
Discover the small adjustments that could help you retire earlier.
Normally: $600

This is a personalized 1:1 session where we calculate your retirement number, determine when work becomes optional, and run multiple retirement scenarios using your real numbers. You’ll leave with clarity on where you stand and what’s possible.
Not at all. This session is valuable whether retirement is 5, 10, or 20+ years away. In fact, the earlier you get clarity, the more flexibility you have to retire sooner.
You’ll complete a short pre-work form with basic details like your current savings, desired retirement age, and expected spending. I use that information to build your personalized retirement scenarios before our session.
By the end of the session, you’ll know:
Your retirement number
When work becomes optional
How much you can spend in retirement
How flexible your plan is
What changes could help you retire sooner
No pressure at all. This session is designed to give you clarity and confidence. If you decide you’d like additional support afterward, I can share options — but it’s completely up to you.
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