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You've spent decades making good decisions. This one matters most.

Retirement. Business sale. Loss of a spouse. Divorce. Inherited wealth. These aren't just financial events — they're the moments that define what comes next. We help you navigate them with clarity, not guesswork.

Start with a Conversation
No cost. No pitch. Just a conversation about
where you are and what you need.

Who We Are

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What We Do

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Life’s biggest transitions come with emotional ups and downs coupled with important decisions to make.

Not "will I have enough money?" — though that's part of it. It's the fear of making a mistake you can't undo. Withdrawing in the wrong order. Timing Social Security wrong. Signing a settlement without seeing the full financial picture. Selling a business and discovering the tax hit too late.

These aren't hypothetical. They happen to people who've done everything right — because the decisions at these transition points are genuinely complex, and getting them wrong has permanent consequences.

Who We Serve
Guiding People through life's important moments


Approaching retirement

You've saved diligently for 30 years. But turning those savings into reliable income — without running out, without over-withdrawing — is a completely different skill set than accumulation. Social Security timing alone can mean hundreds of thousands of dollars over a lifetime.

Going through divorce

You're making long-term financial decisions at the worst possible moment — when emotions are high and the numbers are moving fast. A settlement that looks fair on paper may not survive contact with real life. You need someone who can model what the next 20 years actually look like.

Selling a business

The exit is the event you've worked toward for years. But the capital gains exposure, the income replacement question, and the identity shift that follows — those are the part nobody prepares you for. The window to act strategically is short.

Loss of a spouse

Grief and financial complexity arrive at the same time. Required decisions — beneficiary changes, account consolidation, income restructuring — can't wait. But making them alone, under pressure, is how mistakes happen.

This is what we do — and why it's different.

Mirus Planning was built around one insight: the financial advice industry leads with products.

We lead with a plan.

Before any investment recommendation, any account transfer, any product conversation — we
start by understanding your complete financial picture and designing a Financial Life Blueprint
around where you are and where you need to go.
We do this because we've seen what happens when it's done the other way. And because
someone we loved once needed this kind of guidance and didn't have it.


"My father died suddenly. My mother was left to figure out the finances alone — and no one stepped up to guide her. That's the reason Mirus Planning exists."

— Chad Parmenter, CFP®, CLU, ChFC, CDFA®, RICP®, BFA™— Founder, Mirus Planning

Chad Parmenter and his team bring 33+ years of experience working specifically with people
navigating retirement, divorce, business transition, loss, and wealth transfer. Fee-based. Fiduciary.
Plan-first. No products sold at the planning stage.

A clear path forward. Three steps.


Talk first.

A complimentary conversation about your situation — no pitch, no pressure. We listen first.


Planning.

We design your Financial Life Blueprint — a clear, comprehensive plan built around your transition, your timeline, and your goals. This is where the decisions get made.


Implementation.

If ongoing guidance makes sense, we're here — coordinating with your CPA, attorney, and other
advisors, and adjusting as your life evolves. If not, your blueprint is yours to keep and act on.

What changes when you have a
<span style="text-decoration: underline;" data-mce-style="text-decoration: underline;">strategic plan.</span> <br/><sup>What Sets Us Apart?</sup>

What changes when you have a
strategic plan.
What Sets Us Apart?

Clarity on the decision in front of you — Social Security timing, withdrawal sequencing, settlement terms, asset allocation — instead of guessing.


A written Financial Life Blueprint that belongs to you, regardless of what comes next. Income structured to last — not a portfolio you hope holds out.


Coordination between your financial plan, your tax strategy, and your legal documents — so nothing falls through the gaps.


A guide who stays in their lane: we work alongside your CPA and estate attorney, never around them.

Contact Us 
The right time to have this conversation is before the decision.

Most of the mistakes we help people avoid happen in the first 90 days of a transition — before anyone realized they needed a plan. Whether you're six months from retirement, going through a divorce, or just sold a business, the time to build your blueprint is now.

Start with a conversation

What we help you avoid

People often make reasonable decisions that seem reasonable at the time:

— Claiming Social Security at the wrong age, losing tens of thousands over a lifetime.
— Withdrawing from the wrong account first, triggering unnecessary taxes.
— Signing a divorce settlement without modeling the 20-year cash flow impact.
— Selling a business without a tax strategy in place before the close.
— Inheriting an IRA without understanding the 10-year distribution rules.
— Making permanent financial decisions during temporary emotional overwhelm.

You can avoid mistakes with objective, thoughtful guidance BEFORE you make the decision.