Inspired by Performance,

Powered by Independence

At Retirement by Design, our diverse team consists of passionate professionals who bring experience and a unique approach to crafting retirement strategies that mirror your journey. 

Client Loyalty, Generational Impact, & Building Trust


Jason opens up about building a referral-driven practice rooted in trust, long-term relationships, and personalized service for families across generations.

Why choose Retirement by Design? Because our values align with your style.

Discover the values that drive us and meet the dedicated individuals eager to guide you on your retirement path.

Three smiling older women taking a selfie outdoors, likely at a go-kart track. One holds the phone, the others pose.
Family of four smiling outdoors: A man carries a girl on his back, while the mom and boy stand beside them.

Client-Centered Approach: We prioritize personalized service, focusing on understanding and addressing each client's unique challenges and financial goals.


Holistic Retirement Strategies: Our firm offers personalized strategies that encompass various aspects of financial well-being, including retirement income strategies, tax-efficient asset management, and long-term care.


Risk Management: We place a strong emphasis on mitigating risks through strategic retirement strategies and tax-preferred asset preservation, helping to ensure our clients can protect their resources.


Information and Empowerment: We prioritize informing our clients about their options and navigating financial decisions to foster confidence in their retirement futures.


Integrity and Accountability: Our practice is built upon core values of integrity and accountability, establishing confidence and open communication with our clients.


Innovative Use of Technology: We embrace the latest technological advances to enhance our service delivery and efficiency, helping ensure our clients benefit from modern financial tools.


Community Involvement: We value giving back to the community through volunteering, reflecting our commitment to social responsibility and connection beyond retirement services.

We're proud to offer unique advantages to our clients:   


One-on-one service:

Experience personalized attention tailored to your individual retirement vision, helping ensure that every aspect of your financial strategy aligns with your goals.

Two men shake hands in an office with a large window and greenery. One man wears a blazer and smiles; the other wears a tan shirt, his back to the camera.
An elderly woman with gray curly hair smiles while talking on a cell phone. She sits on a beige couch in a living room.

Regular reviews and check-ins: 

Stay on track with ongoing assessments of your strategy, allowing us to make timely adjustments and keep your financial journey aligned with any changes in your life or the market.


Crystal-clear communication:

Benefit from transparent discussions and straightforward explanations, helping empower you to make informed decisions about your retirement with confidence.

An older couple walking arm-in-arm on a city street; woman resting head on man's shoulder, both smiling.

Our Retirement By Design Process

The unique Retirement By Design experience is specially designed to help you find clarity, confidence, and excitement on the road ahead. Here’s how it works when you attend our workshop or are referred by a friend or loved one:

1

Complete the survey form to let us know the best time to schedule your meeting. We will answer any questions you have and decide together if it makes sense to move forward on a customized retirement strategy. 

2

In our follow-up meeting, we will go through a detailed fact-finding process. This includes an inventory of your current accounts, reviewing income goals, and learning about your financial situation as well as your goals and concerns.

3

Our team will review your current strategy to analyze performance, risk and fees. We will present you with customized options to help manage risk, protect against serious health issues or early death, and create retirement income based on your specific goals.

4

During the implementation phase, we will define clear criteria for measuring our success and carry out activities according to our agreed schedule and timeline. Throughout every step in our process, you can expect proactive and open communication with any members of our team, in whatever form your prefer most. 

Meet the Team

Jason Williams


jason@Retirement-byDesign.com

Jason helps retirees protect their assets and achieve their dreams through strategic retirement planning.

With formal training in retirement strategies and business continuation, Jason enjoys assessing and addressing his clients’ unique challenges, taking into account their age, risk tolerance, and long-term financial aspirations. His specialization in the senior market allows him to concentrate on tax-preferred asset preservation, helping ensure that his clients' resources are protected and optimized.



Jason is passionate about delivering exceptional service tailored to each client's individual needs. He is committed to maximizing legacy assets through strategic portfolio management that emphasizes competitive returns while mitigating market risks. Always prioritizing his clients' best interests, Jason strives to enhance retirement income while fostering confidence and financial stability.


Embracing the latest technologies, Jason leverages these tools to benefit his clients, helping ensure a modern and efficient service. His practice is built upon a foundation of accountability, integrity, open communication, and successful strategies—principles that have consistently proven effective over time.


Residing in Maryland Heights, Missouri, Jason shares his life with his 17-year-old son, Jackson. Together, they enjoy volunteering at animal shelters, exploring the beauty of nature across the country, and experimenting with recipes from their family and all over the world to create memorable and delicious meals.

Charlotte helps clients protect what they’ve built and retire with confidence.

With over three decades of experience in the insurance and financial industry, Charlotte Fraser has dedicated her career to helping clients protect and grow their assets through effective preservation and accumulation strategies. Her expertise encompasses long-term care, life insurance, annuities, and Medicare.



Charlotte's client-centric approach emphasizes guidance and knowledge as she navigates individuals toward confident financial futures in retirement. She is passionate about helping her clients minimize or potentially eliminate taxes on Social Security benefits while protecting their savings accumulated throughout their working lives. Her mission is to help ensure clients are using the right retirement vehicles for their situation, allowing their resources to last through their Golden Years and be seamlessly passed on to heirs, charities, or churches.


A graduate of Mansfield University in Pennsylvania, Charlotte resides in Highland, Illinois, with her husband, John. The couple has been married for 34 years and eagerly anticipates welcoming grandchildren into their family. They frequently visit her parents in Pennsylvania and Texas and enjoy spending weekends attending concerts in St. Louis and Illinois. When the weather permits, Charlotte loves to kayak, hike, and drive her Jeep, exploring new music with her dogs and friends along the way.

It's time to design your retirement 

Ready to begin your journey and design the retirement you’ve always envisioned? Contact us today to schedule your meeting and discover how we can help you customize a personalized strategy that matches your vision for the ideal future. 

Send us a message!

Use the form below to reach out to us with questions or concerns. We will contact you directly to see how we might be able to help.

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