Your DIY Retirement Command Center.
The same professional planning tools our CFPs use with clients — RightCapital and Income Lab — put directly in your hands, with step-by-step videos to actually use them.
Built by the CFPs at Defining Wealth
You'd rather run your own plan. We give you the tools to do it right.
This is for the retiree who wants to be in the driver's seat — who wants professional-grade tools and CFP-built coursework, not hand-holding. Inside HQ you get the software our team uses behind the scenes, the videos that walk you through it, and a course library we keep updating, so your plan keeps up with you.
Up and running in minutes.
Join
Pick monthly or annual and check out. No sales call, no waiting.
Get instant access
Log in right away to RightCapital, Income Lab, the walkthrough videos, and the full course library.
Build your plan
Follow the guided videos at your own pace and put together a retirement plan you feel confident in.
The retirement questions that actually keep you up at night.
HQ tackles the real decisions DIY retirees wrestle with — the same topics we cover with clients every day, broken down so you can act on them.
Everything a confident DIY plan takes.
RightCapital + Income Lab
Two of the planning tools our CFPs use with real clients, normally locked behind our doors. Build projections, model income, stress-test the plan — the same software, now yours to run.
Guided walkthroughs
You don't have to figure the tools out alone. Our videos walk you through RightCapital and Income Lab step by step, so you know how to use them — not just that you have them.
Coursework we keep updating
This isn't a one-and-done video dump. We continually add to and refresh the HQ library, so you can keep learning, keep adjusting, and keep your plan current as your life and the landscape change.
Built by CFPs
Everything inside is created by CFP® professionals — the strategies, the walkthroughs, the frameworks. Real professional thinking, organized for the do-it-yourselfer.
The professional tools you'll actually use.
Membership unlocks RightCapital and Income Lab — the same platforms our CFPs use with clients. Here's a real look at what you'll be working with.
Built by CFPs who actually use these tools.
HQ isn't a course bought off a shelf. It's built by the two CFP® professionals who founded Defining Wealth — using the same software and strategies they use with clients every day.
Two ways to join.
Same full access to the tools, walkthroughs, and coursework either way. Pay monthly for flexibility, or save when you pay for the year.
Pay for the year and save $167 — that's about $33/month.
Join AnnuallyGood questions, answered.
Can I cancel anytime?
Yes. There's no contract and no commitment — you can cancel your membership whenever you'd like. On the monthly plan, cancelling stops your next payment; on the annual plan, you keep access through the end of your paid year.
What happens if I cancel?
When your membership ends, your access ends too. That means you'll lose access to the coursework and to the RightCapital and Income Lab tools. As long as you're a member, it's all yours.
How fast do I get access?
Right away. As soon as you join, you get instant access to RightCapital and the full HQ course library. Income Lab access is set up manually to your account and is typically ready within one business day.
Is there a refund policy?
We don't offer refunds on membership payments. You can cancel anytime to stop future billing, but past payments aren't refundable.
Do I get ongoing support from a CFP?
No — and we want to be upfront about that. HQ gives you the tools and the coursework to plan on your own. If you want a professional's input beyond that, that's exactly what our one-time financial plan is for.
Can I ask you or your team my personal financial questions?
No. HQ gives you the tools and coursework to work through your own plan, but it does not include access to us or our team, and we can't answer personal financial questions as part of the membership. We're always adding to the coursework, but it's educational only. For personalized help, our one-time financial plan is the right fit.
Does HQ include personalized financial advice?
No. HQ gives you professional-grade tools and CFP-built coursework to build your own plan. If you want personalized recommendations from a CFP® professional, you'd add our one-time financial plan.
Who is Retirement HQ for — and who is it not for?
HQ is built for the hardcore do-it-yourselfer — the retiree (or soon-to-be retiree) who wants to run their own plan and just needs the right tools and coursework to do it with confidence. It's not the right fit if you're looking for someone to manage everything for you or give you one-on-one advice — for that, our advisory services are a better match.
Is the coursework self-paced?
Yes. Everything in HQ is on-demand — go at your own pace, revisit anything as often as you like, and learn on your schedule.
How often do you add new content?
We continually update and expand the HQ library so your plan can evolve as your life changes and as the rules around retirement change.
Do I get full access to RightCapital and Income Lab?
Yes. RightCapital and the full HQ library are available the moment you join. Income Lab access is set up manually to your account and is typically ready within one business day. You keep access to both tools for as long as you're a member, plus videos that walk you through how to use them.
You've decided to do this yourself.
Retirement HQ makes sure you're doing it with the right tools, the right resources, and a professional team you can call on when it counts.
Choose Your Plan