# Eliot Rose Wealth Management > Eliot Rose Wealth Management is a fee-only registered investment advisory (RIA) firm based in Providence, Rhode Island, specializing exclusively in retirement planning for pre-retirees and retirees. The firm has served clients since 2002 and is led by Jason Siperstein, CFP®, CFA, RMA®. Eliot Rose operates under a fiduciary standard and never earns commissions or referral fees. Eliot Rose works primarily with individuals and households aged 55–65 who are within 12 months of retirement — a critical planning window the firm calls the **Leap Year™**. The firm's core services include comprehensive financial planning, investment management, Social Security claiming strategy, Medicare enrollment guidance, tax-efficient withdrawal sequencing, Roth conversion analysis, and estate planning coordination. The team includes Jason Siperstein (President and Wealth Advisor), Paul McDermott (Director of Retirement Education), and Kris Sao Bento (Director of Client Services). The firm is a member of NAPFA, the Fee-Only Network, and the Financial Planning Association. Jason is a past President and Chairman of the Financial Planning Association of Rhode Island. Eliot Rose serves clients primarily in Rhode Island and nearby New England. The firm charges advisory fees only — no commissions, no referral fees, no product sales. ## About the Firm - [Who We Are](https://www.eliotrose.com/who-we-are/): Meet the Eliot Rose team, credentials, guiding principles, and what sets the firm apart. - [How We Help](https://www.eliotrose.com/how-we-help-fee-only-advisor): Overview of the firm's approach to retirement planning, the Leap Year™ concept, and client testimonials. - [What to Expect](https://www.eliotrose.com/becoming-a-client/): The process of becoming a client, from initial meet-and-greet through onboarding. - [Contact](https://www.eliotrose.com/contact/): How to reach Eliot Rose and book a meet-and-greet. ## Services - [Financial Planning](https://www.eliotrose.com/how-we-help/financial-planning/): Comprehensive retirement financial planning services including income planning, tax strategy, and estate coordination. - [Investment Management](https://www.eliotrose.com/investment-management/): Fee-only investment management approach, portfolio philosophy, and asset management services. - [Sustainable Spending Lab](https://www.eliotrose.com/sustainable-spending-lab/): Interactive tool and methodology for determining sustainable retirement income. ## Blog — Retirement Ready - [The 15-Year War on Your Best Interest: Why the Fiduciary Rule is Dead (Again)](https://www.eliotrose.com/insights/post/dol-fiduciary-rule-vacated-2026): Analysis of the DOL fiduciary rule vacatur in March 2026 and what it means for Rhode Island retirees. - [Rhode Island State Taxes: What Retirees Need to Know in 2026](https://www.eliotrose.com/insights/post/rhode-island-state-taxes-what-retirees-need-to-know): Guide to Rhode Island tax exemptions and strategies for retirees to minimize state tax liability. - [5 Best Financial Planners in Rhode Island (2026 Update)](https://www.eliotrose.com/insights/post/best-financial-planners-in-RI/): Independent evaluation of top fee-only financial planning firms in Rhode Island. - [Rhode Island's Medicare Win — and Why It Matters](https://www.eliotrose.com/insights/post/rhode-island-medicare-switching-rules/): Explanation of Rhode Island's unique Medicare Supplement switching rules and their benefit to retirees. - [Top 5 Questions to Ask A Financial Advisor in 2025](https://www.eliotrose.com/insights/post/ask-a-financial-advisor/): Key questions prospective clients should ask when evaluating a financial advisor. - [Don't Let Rhode Island Estate Laws Destroy Your Legacy](https://www.eliotrose.com/insights/post/dont-let-rhode-island-estate-laws-destroy-your-legacy): Overview of Rhode Island intestacy laws and why estate planning matters for retirees. - [The Roth Conversion Strategy That Saves 6 Figures](https://www.eliotrose.com/insights/post/6-figure-tax-savings-roth-conversions-explained): Why the window between retirement and age 73 may be the best opportunity to reduce lifetime taxes through strategic Roth conversions. - [Medicare in Rhode Island — What to Know Before You Enroll](https://www.eliotrose.com/insights/post/making-the-right-choice-on-medicare): A guide to Medicare enrollment timelines, plan options, and common mistakes for new retirees in Rhode Island. - [Could You Be Losing $100,000+ in Social Security Benefits?](https://www.eliotrose.com/insights/post/social-security-timing-the-mistake-too-many-retirees-make/): Why claiming Social Security before full retirement age can cost retirees six figures in lifetime benefits. - [Fee-Only vs. Fee-Based Advisors](https://www.eliotrose.com/insights/post/fee-only-financial-planners-vs-fee-based-financial-planners): The critical distinction between fee-only and fee-based advisor compensation models and why it matters for retirees. - [The Myth of Fixed Retirement Spending](https://www.eliotrose.com/insights/post/the-myth-of-fixed-retirement-spending/): Why retirement spending is not static, and how regular adjustments lead to better outcomes than rigid withdrawal plans. ## Videos - [Video Library](https://www.eliotrose.com/video/): Educational videos on retirement planning topics from the Eliot Rose team. ## Optional - [Blog Archive](https://www.eliotrose.com/blog/): Full archive of the Retirement Ready blog by Jason Siperstein. - [FAQ](https://www.eliotrose.com/#faq): Frequently asked questions about Eliot Rose's services, fees, and approach.