Service 02 · Retirement Account Coordination
Know exactly where
your retirement stands.
Retirement accounts accumulate across careers and decades — different custodians, different rules, different schedules. This engagement pulls it all together into one clear, coordinated picture.
What This Delivers
One consolidated view of your entire retirement position.
When this engagement is complete, you'll have a documented summary of your retirement account balances, contribution history, and distribution schedule across every account you hold — presented in a single report your financial advisor and tax preparer can work from directly.
For most people, that kind of consolidated view simply doesn't exist until they've done this work. Accounts opened decades apart, some with former employers, some rolled over, some dormant — getting them into one readable document is genuinely useful.
Account balance documentation
All retirement account balances reviewed and documented — IRAs, 401(k)s, 403(b)s, and others — in one place.
Contribution review
Contributions across accounts confirmed and summarized — useful for tax preparation and long-term planning.
Distribution calendar
Required minimum distribution dates identified and laid out in a clear calendar — so nothing gets missed.
Consolidated summary report
A single document covering everything — ready to share with your financial advisor or tax preparer.
The Situation
Retirement accounts rarely stay simple over a lifetime.
The challenge most people face isn't carelessness — it's accumulated complexity. Accounts opened at different points in life, with different custodians, under rules that have changed over the years. That's a normal situation, and it genuinely benefits from careful documentation.
Accounts held at multiple custodians
A 401(k) from a previous employer, a rollover IRA, a current workplace plan — each held somewhere different, each with its own portal and statement format. Getting them into one summary takes focused work.
Required distributions have real deadlines
Missing a required minimum distribution carries penalties — and the rules around when they apply are more nuanced than many people realize. Having the dates mapped out ahead of time removes that uncertainty.
Advisors need accurate data to advise well
A financial advisor or tax preparer working from incomplete account data can only do so much. When you arrive with organized documentation of your full retirement position, the conversation becomes more productive.
The Approach
Methodical review across every account you hold.
This engagement works through each of your retirement accounts individually — confirming balances, reviewing contribution history, identifying distribution requirements — and then brings it together into a single, well-organized summary. The work is done carefully and checked before anything is delivered to you.
The Process
Account inventory
Each retirement account is identified and listed — name of institution, account type, and current status.
Balance & contribution review
Balances confirmed from current statements; contribution history reviewed for accuracy and completeness.
Distribution schedule mapping
Where required minimum distributions apply, the relevant dates are identified and laid out in a clear calendar.
Consolidated report
Everything brought together into a single summary document — organized, readable, and ready to share.
Ideal For
Individuals within a few years of retirement who want to understand their full account picture before they stop working
Recent retirees who have accounts from multiple employers and need them clearly documented before meeting with advisors
People who have reached the age where required minimum distributions apply and want the dates and amounts clearly mapped out
Spouses or family members managing retirement accounts following the death of a partner who held accounts in their name
Anyone who wants their retirement accounts fully documented before tax season so their preparer has what they need
The Experience
A calm, organized process — not a complicated one.
Retirement account documentation can feel daunting when you're facing a folder of statements from different institutions. This engagement is designed to take that weight off you — you gather the documents, and the coordination is handled from there.
Week 1
Initial conversation
We discuss how many accounts you have, what types they are, and what you're hoping to accomplish. No documents needed at this stage — just an honest conversation about your situation.
Week 1–2
Document checklist
You receive a clear list of what to gather — current statements, contribution records, and any distribution notices. We keep the request focused and practical.
Week 2–3
Review & coordination
Your accounts are reviewed individually, then brought together. If something looks unusual or needs clarification, you'll hear from us directly — no assumptions made on our end.
Delivery
Summary & follow-up
Your consolidated report arrives — organized by account, clearly labeled, with a distribution calendar if applicable. A follow-up window is included for questions.
The Investment
A fixed fee for a
clearly defined engagement.
This engagement is priced at $275 USD — a flat fee covering the full scope of work. There's no hourly billing, no charge per account reviewed, and no ambiguity about what's included before you begin.
If your situation involves an unusually large number of accounts or significant complexity, that's worth discussing before the engagement starts. The goal is that you know exactly what you're getting and what it will cost — full stop.
The consolidated summary report is yours to keep and share with any professionals you work with — financial advisors, tax preparers, attorneys — at no additional cost.
One-time engagement · Fixed price
What's Included
Review of all retirement account balances
Contribution history documentation
Distribution schedule review & calendar (where applicable)
Consolidated summary report
Document checklist provided upfront
Post-delivery follow-up window included
What to Expect
Concrete outputs, realistic timeline.
Retirement account coordination is thorough, documented work. Here's what the engagement produces and how the timeline typically unfolds.
The Report
A single document covering everything
The consolidated summary is organized by account, includes balances confirmed as of a stated date, and presents contribution and distribution information in a format that's readable to you and any professionals you share it with.
Accuracy
Figures traced to source documents
Every balance and contribution figure in the report is drawn from your actual account statements — not estimated or approximated. If a figure can't be confirmed from the documents provided, that's flagged clearly rather than filled in.
Timeline
Typically two to three weeks
Most engagements are completed within two to three weeks of receiving your documents. Situations involving a larger number of accounts may take a little longer — and you'll know in advance if that's the case for yours.
Our Commitment
Honest work, honestly stood behind.
The scope of this engagement is agreed before you begin. If the delivered report is missing something that was part of that agreed scope, or if an error on our part needs correcting, we'll address it directly — no friction, no reluctance.
Scope confirmed before you commit
The engagement scope and price are agreed in writing before work begins. What's covered is clear from the start.
Follow-up questions welcomed
The post-delivery window exists so you can review the report and ask questions before the engagement closes. You're not left to figure it out alone.
No-obligation initial conversation
The first conversation is free and carries no obligation. It's simply a chance to discuss whether this engagement fits your situation.
Direct communication throughout
You hear from a person, not an automated system. Questions get real answers, and the process stays transparent at every stage.
Getting Started
Three steps from here to having it done.
01
Send a short message
Use the contact form to introduce your situation — a few sentences about what you have and what you're trying to accomplish is enough. We'll respond within two business days.
02
Short intake conversation
We confirm the scope, answer any questions you have, and send you a document checklist. Everything is clear before any work begins or payment is made.
03
Documents in, report out
You share your account statements and records at your own pace. We do the coordination work and deliver your consolidated report — with a follow-up window included.
Retirement Account Coordination
Understanding your full retirement position is worth the effort.
The initial conversation costs nothing and carries no obligation. If this engagement fits what you need, we'll move forward. If something else makes more sense for your situation, we'll say so plainly.
Other Services
Explore other ways Grapharc can help.
Service 01
Personal Financial Organization
Categorization of income and expenses, bank statement reconciliation, and a personal financial summary. Ideal for major life transitions — retirement, divorce, or estate planning.
Service 03
Personal Tax Preparation
Individual income tax return preparation covering employment income, investments, and rental properties. Includes a document checklist, deduction review, and a post-filing summary.