Stage 4 — Which engagement is the smallest adequate solution?

Use four routes. Improve the incumbent scope if the capability exists but the service definition is weak. Buy a scoped project when one consequential event dominates. Seek a recurring adviser when several linked decisions genuinely recur. Pause if records, liquidity or approvals prevent useful execution.

For a retirement proposal, approach a plan administrator or actuary with the tax adviser. FuturePlan lists actuarial, plan documentation and administration capabilities, illustrating the distinct workstreams to procure. FuturePlan — Retirement plan capabilities

Exit condition: a written reason for choosing recurring advice over a project, or vice versa.