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Optional · A free introduction

Get connected with a specialist

Calculators frame the question; a specialist helps you weigh the answer. Tell us what you're working through, and we'll introduce you to a professional who fits — they'll reach out by phone or email, whichever you prefer.

Who you'd talk with
A specialist matched to your question and your area: financial advisors, retirement planners, CPAs and tax professionals, estate planning attorneys, and Medicare and insurance specialists. Downshift makes the introduction; the specialist does the advising.
What it's for
Your questions about a retirement decision: claiming ages, conversion windows, whether a plan holds up, what to do with an old 401(k). Real, individualized advice from someone qualified to give it — which this site, on its own, is not.
What it costs you
Nothing. The specialist pays Downshift a fee for the introduction; that's how the site stays free and ad-free. Whether you go on to work with them, and on what terms, is entirely between you and them.
What it isn't
A commitment. Nothing is required afterward, and you decide whether the specialist is the right fit — or whether to be introduced to a different one.
What happens next
Your request goes to Downshift. We match it with a specialist based on what you asked for and where you live, and they reach out the way you chose — phone or email. The optional tips checkbox is separate from the request; leaving it unchecked changes nothing.
What to bring
Just your questions. If you've built a plan here, you can send it along with your request (there's a checkbox in the form) so the specialist starts from your numbers. Nothing is sent unless you check it.

Not ready to talk? The plan builder lays your numbers out clearly in 10–15 minutes, free and without an account — and makes a better first conversation later.

Best way to reach you
Who would you like to be connected with?
What would you like to talk about? (pick any)

Free to you, and no obligation. We share your name, phone, email, ZIP, and what you wrote here — plus your plan, if you attach it — only with the specialist we match you with, so they can reach out. The specialist pays Downshift a fee for the introduction; you never pay Downshift anything. We'll never ask for account numbers, Social Security numbers, or passwords. How this works.