Independent FIRE & Retirement Planning

Find out when you can stop working. And how to get there sooner.

We lay out your numbers, i.e. income, spending, savings, assets and state pension, and turn them into a written plan: when you can stop, how much capital you need and what to do from today. Whether you're aiming for financial independence or simply to retire a few years earlier.

€0commission on financial products
30 minfirst call, free and no commitment
1written plan, built on your numbers
The path

Dall'accumulo alla libertà finanziaria, in 15 secondi.

From saving to financial freedom, in 15 seconds.

Fee-only: paid only by you, never by banks or insurers
Nothing to sell you
I work with the bank and broker you already have
FIRE Calculator

How much do you need to stop working?

Enter only the essential information. In a few seconds, you'll get a first estimate of your FIRE number.

Between 18 and 94.
What you currently need to live on.
When you'd like to reach FIRE.
4%
Assumption used for this simulation.
Expense inflation: 1,5%/yr Horizon: 95 years State pension: excluded
Your FIRE number
—

Inserisci i tre dati per vedere il tuo numero FIRE.

Enter the three details to see your FIRE number.

FIRE age —
Years of FIRE until 95 —

This is a quick simulation, not a financial plan. Your real FIRE number may be different once your actual situation, portfolio, taxes and other variables are considered. If you want to understand whether your target can be improved and how to get there, book a free, no-obligation call.

Book your free call
Simplified estimate based only on the information entered, a 4% withdrawal rate and expenses projected to your FIRE date assuming 1.5% annual inflation. It does not account for state pension, taxes, current assets, specific returns or real (non-inflation) changes in spending.

Want to include your savings, monthly saving and state pension? Try the advanced simulator →

Services & fees

Everything we can work on together.

Every service starts from your real situation. Here you can see what it includes, who it is for and what it costs — with no products to sell and no hidden subscriptions.

Financial Planning

A structured analysis of your financial situation to organize the numbers and build scenarios consistent with your goals.

  • Income, spending, savings and debt
  • Medium- and long-term goals
  • Liquidity, assets and pension planning
  • Scenarios and variables to monitor
Project-based — price set after the first call

Portfolio Analysis

We start from the portfolio you already hold to understand costs, concentrations, diversification, risk exposures and the characteristics of the instruments.

  • Free preliminary assessment
  • Detailed analysis with written report
  • 1-hour call included with the detailed analysis
€150–300 — depending on complexity

1:1 Financial Coaching

A one-to-one session to bring clarity to a specific financial situation or goal, without necessarily starting a full planning project.

  • A session focused on your specific question
  • Analysis of the information you share
  • Structured discussion focused on understanding
€100 / hour
3-hour package: €270 · 5-hour package: €400

How it works: the first 30-minute call is free and helps us understand your situation and identify the most appropriate service. The fee is always agreed before any work begins.

How it works

Three steps, not thirty

1

Free intro call

30 minutes to understand where you are, where you want to go, and whether I can actually help. No pitch, no obligation.

2

Analysis and plan

I take your real numbers and build a written plan: goals, timelines, concrete actions on saving, investing, and retirement.

3

Action and review

You execute the plan. We stay in touch to adjust course when your life changes — not when markets wobble.

Davide Valentini, financial planner fee-only
About me

No jargon, nothing to sell you

I reached financial independence at 38. Not by selling financial products, but by doing exactly what I now teach: planning with method, saving with discipline, investing simply — and sticking with it even when markets get scary.

Before this I was a consultant, then a project manager, then a financial analyst — three different jobs, the same question running through my head every day: where is my money actually going, and what is staying undecided costing me? Now I help other people answer that same question, on a fee-only model: you pay me, period — no product commissions, no incentive to sell you something you don't need.

My focus is retirement and FIRE planning: helping people work out, with real numbers, exactly when they can stop working — and what to change today to get there sooner. My approach is direct and practical, in the spirit of people like Ramit Sethi, who believe personal finance should be simple, honest, and built around action — not a list of generic rules.

Testimonials

What clients say

"I thought retirement was a problem for twenty years from now. Now I have an exact number and a savings plan I actually follow every month, stress-free."

Yonasage 37

"For the first time I understood what my bank portfolio was really costing me. We restructured everything and I sleep a lot better now."

Paoloage 55

"I just wanted to know if I could afford to retire early. With a clear plan, it turned out I could — four years sooner than I thought."

Martaage 69
FAQ

Before you book

What does "fee-only" mean? +

It means I'm paid directly by you, with a clear fee agreed before we start. I receive no commissions from banks, insurers, or fund managers.

Do I need to change bank or broker? +

No. I work with what you already have. If it makes sense to optimize something I'll say so clearly, but there's never an obligation to move your money to a specific platform.

Is it too late for me to think about FIRE? +

Almost never. FIRE doesn't have to mean retiring at 35: for many people it means reaching classic retirement 3, 5 or 10 years earlier, with more freedom along the way. The first step is having real numbers, whatever your starting point.

How much does this cost? +

It depends on the service and how complex your situation is. Price is always agreed transparently after the free call, before any work begins.

Is the first call really free? +

Yes, 30 minutes, no cost and no obligation. It's there to see if we're a good fit to work together, not to sell you anything.

Book a call

The first step is a conversation

Pick a time that works for you. We'll talk about your situation, your goals, and figure out together if and how I can help.

  • 30 minutes, video call
  • Free, no obligation
  • No pitch, just clarity

Pick a day and time directly on Calendly: it opens in a new tab.

Open Calendly and book

The sooner you know your numbers, the sooner you can stop.

Book your free call: 30 minutes that could change when — and how — you retire.

Book now