Making sense of your 401(k), tax-smart retirement, and career transitions.

No Wall Street jargon. No 50 page PDFs. Just simple math and clear advice to turn your savings into a reliable paycheck.

Just clear answers.

Action Point was born out of a simple conviction: retirement planning shouldn't feel intimidating. Financial advice shouldn't feel like sitting through a corporate sales presentation.

It’s just a straight-up conversation about your money. We skip the fluff and focus on what actually hits your bank account: lowering your tax bill, cutting hidden fees, and turning your savings into a steady paycheck.

Built on simple math.

Simple Math Over Market Guessing

We focus on the variables you can actually control—tax drag, account sequencing, and fee reduction. Rather than trying to predict market headlines.

Retirement Tax Sequencing

Having money in a 401(k) is only half the battle; getting it out without getting hammered by the IRS is the other. We sequence your accounts, plan around Medicare IRMAA cliffs, and execute multi-year Roth conversions so you keep more of what you earned.

Capped Advisory Fees

Our advisory fee is strictly capped at a maximum of 0.95% annually and scales down for larger portfolios. No hidden incentives, no product commissions.

The No-Jargon Guarantee

Financial strategy shouldn't sound like a foreign language. If we can't explain a strategy on a napkin, we don't use it.

Meet your advisor.

Aaron Wassenaar, CBFA

Founder & Senior Financial Advisor

16 Years of Experience. Zero Hand-Offs.

Aaron founded Action Point in 2014 to bring real financial guidance to people traditional wealth management ignores. Frustrated by corporate firms pushing commission products, hiding behind 50 page financial plans, and offloading clients to robo-advisors, he created Action Point to offer transparent, direct advice.

Behavioral Math Meets Clear Strategy

As a Certified Behavioral Finance Analyst, Aaron specializes in stripping away complexity and decision fatigue. His focus is pragmatic and precise: helping professionals and pre-retirees optimize active 401(k)s, eliminate hidden fee drag, and structure tax-smart retirement paychecks.

Your Direct Partner

When you work with Action Point, you get direct access to Aaron, not a customer service representative, call center, or chat bot. Every strategy, investment model, and portfolio calculation is built and executed by a seasoned practitioner with 16 years of dedicated industry experience.

Action Point Insights

Straightforward advice to help you build a confident retirement.

The Kitchen Junk Drawer Guide to Your 401(k)

Everyone has that drawer in their house. The one stuffed with loose batteries, three mystery keys, an expired coupon, and a charging cable for a phone you haven't owned in five years. You know there’s useful stuff in there, but if you need a working battery right now, good luck finding it without making a mess. That is almost identically how most people handle their retirement savings. By the time you reach your 50s or 60s, you’ve usually accumulated a financial junk drawer:

The "One More Year" Trap

You reached your savings goal. Your numbers add up. Your pension is locked in. But when it comes time to hand in your notice, a quiet voice whispers: "Just one more year." It’s the most common trap in retirement planning. Work provides routine, identity, and a predictable paycheck. Stepping away feels risky, so we move the goalposts. We convince ourselves that another 12 months of work will give us "true" security. Here’s the reality: Once your math works, retirement stops be

The End of the "Sunday Scaries": What Your First 30 Days of Retirement Actually Look Like

For forty years, Sunday evening had a very specific mood. Around 6:00 PM, a mild sense of existential dread crept in. You mentally prepped your outfit, skimmed your inbox, and braced yourself for Monday morning traffic. Then comes Day 1 of retirement. You wake up on Monday, brew a fresh cup of coffee, look at the clock, and realize... nobody is waiting for you. The Sunday Scaries are officially dead. While turning off your 6:00 AM alarm feels like a legitimate superpower, the

No sale pitch. Just clear strategy.

Grab a slot on the calendar for a quick 20-minute intro chat. Bring your latest 401(k) statement or the first two pages of your most recent tax return. We’ll look at your fee drag, tax bracket headroom, and transition options together—and give you a straight answer on where you stand.