A Better Retirement Begins With a Clear Plan
The THRIVE Planning Framework provides a comprehensive and structured approach to evaluating the decisions that matter most in retirement, enabling you to move forward with clarity and confidence.
Buy The Book
About DAvid
Free Resources
Retirement Is Too Important to Leave to Chance
Most people feel confident in certain areas of their retirement and less certain in others. Taxes, healthcare costs, income reliability, and legacy decisions all interact in ways that can be easily overlooked.
The THRIVE Planning Framework brings these pieces together, ensuring that nothing important is missed.
See Why THRIVE Exists The THRIVE Planning Framework
A coordinated retirement plan must address every major area of financial life. These six pillars work together to support your future:
Taxes
Healthcare
Risk Management
Income
Vitality
Estate & Legacy
Why Start With the Checkup
Start With a Simple Self-Assessment
The THRIVE Checkup provides a clear and objective snapshot of your readiness across the six key areas that shape a successful retirement. It takes only a few minutes, and your results are delivered instantly to your inbox.
Features
Clear, structured questions
No cost and no obligation
Measures readiness across all six pillars
Results sent immediately
No sales pitch—your information stays confidential
Helpful Tools From the THRIVE Planning Framework™
Toolkit Items
Retirement Tax Guide
Healthcare Planning Flowchart
Estate & Legacy Checklist
Income Planning Worksheet
Vitality Blueprint
Retirement Reflection Guide
About the Book
Don’t Just Retire. Plan to THRIVE. Weaves personal struggle, real-life experience, and practical guidance into a transparent, deeply human approach to retirement. It helps you uncover blind spots, rethink what matters, and make coordinated decisions that align your wealth with your values and the life you want to live.
The opening chapters reveal the part of retirement planning almost no one talks about — the human side. The side that shapes purpose, health, clarity, and the ability to enjoy everything you have worked for, long before the financial decisions ever begin.
About David
About the Creator of the THRIVE Planning Framework
David Lukas is a fiduciary advisor, author, and educator with over 16 years of experience helping individuals and families make clearer, more confident retirement decisions. He is the host of The Total Wealth Show, a long-running program that simplifies complex financial topics and guides people through the choices that shape their future.
David developed the THRIVE Planning Framework as a practical way to bring clarity and structure to the most critical decisions retirees face. Money is the tool. Human flourishing is the outcome. His work exists to bridge the two.
You Deserve a Clear Path Forward
Retirement is one of the most meaningful transitions in life, yet most people enter it with more questions than answers. Good planning replaces uncertainty with understanding. It creates clarity. It brings structure to the decisions that matter most. And it gives you the confidence to move into the future with purpose, not guesswork.
For a clearer picture of where you stand and what needs attention next, start with the THRIVE Checkup. It is a calm and simple starting point that helps you see the full landscape of your retirement in one place.