Helping successful people find the money their retirement plan may already be losing.
Michael Romaine is a Retirement Advocate and founder of I-3 Planning LLC in Louisville, Kentucky. He works with professionals and business owners within 5–7 years of retirement to measure, coordinate, and clarify financial plans that have grown complicated over time — before any product or investment is ever discussed.
The Retirement Efficiency Blueprint™ process
A measured, step-by-step approach — starting with where a plan stands today, not with a product recommendation.
Score
The Retirement Efficiency Score™ — a short, free self-assessment that shows how well a plan's pieces currently work together.
Assess
The Retirement Efficiency Assessment™ — a diagnostic session gathering the real financial picture: accounts, benefits, insurance, taxes, documents.
Blueprint
A one-page-first Blueprint: the Score, a Financial Leakage Analysis, a four-risk map, and a prioritized decision sequence.
Coordinate
Implementation alongside the client's CPA and attorney — one verified change at a time, modeled and explained before any decision.
A Retirement Advocate, not a product salesperson
Michael Romaine founded I-3 Planning LLC in Louisville, Kentucky to change how retirement planning is delivered — starting with measurement instead of a sales pitch. Michael holds the CFP®, RICP®, WMCP®, CLU®, ChFC®, and CLTC® designations.
His approach reverses the typical order of a financial conversation. Instead of asking a client to save more or buy something new, he first helps them understand what their current plan may already be losing — through unnecessary taxes, hidden fees, inefficient interest, and other common sources of financial leakage.
A phone call on a Christmas morning changed how Michael practices, permanently — it's part of why coordination and communication with a client's whole financial picture is central to his work.
"I don't represent financial products. I represent the people affected by financial decisions." Michael Romaine · Retirement Advocate
What a coordinated plan actually measures
Every Blueprint is built around the same two frameworks: seven places a plan may be leaking money, and four risks every plan should address on purpose.
7 Financial Leakage Categories
- Unnecessary taxes
- Hidden and excessive fees
- Inefficient interest
- Lost opportunity cost
- Insurance inefficiency
- Uncoordinated cash flow
- Estate-planning gaps
4 Retirement Risks
- Market volatility
- Longevity
- Morbidity (health / long-term care)
- Mortality (survivor protection)
I-3 Planning LLC SMS Program
If you provide your mobile number and consent through a form, call, or conversation with our team, I-3 Planning LLC may text you about the Retirement Efficiency Score™, upcoming trainings, and appointment reminders.
Program details
- Who sends these messages: I-3 Planning LLC, Louisville, Kentucky, on behalf of Michael Romaine.
- What you'll receive: appointment confirmations and reminders, replies to inquiries you submit, and occasional updates about free trainings or your Retirement Efficiency Score™.
- Message frequency: varies; typically no more than a few messages per month unless you have an active appointment.
- Message and data rates may apply.
- How to opt out: reply STOP at any time to unsubscribe. Reply HELP for assistance, or use the chat on this page.
- Consent to receive texts is not a condition of purchasing any service.
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