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Our Approach
We built a retirement income roadmap using our Safety/Protection/Growth bucket strategy. From there, we:
Designed a Roth conversion plan to shrink future RMDs and avoid IRMAA surcharges.
Coordinated Dave’s pension with a Social Security claiming strategy to maximize lifetime income.
Created a health insurance bridge until Medicare began, so they wouldn’t face gaps or surprises.
The Outcome
Dave was able to retire that same year (3 years earlier than he thought possible) with complete confidence that their income was secure.
They’re now projected to save an estimated $15,000 in lifetime Medicare surcharges through proactive Roth conversions.
Their plan provides over $6,000/month in predictable income, while still keeping a portion invested for long-term growth.
Most importantly, Dave and Linda can enjoy retirement on their terms — traveling more, spending time with their grandkids, and no longer worrying about what the market might do.
In Their Words
“We thought retirement was still years away. Now, Dave’s already retired, and we finally have clarity and peace of mind. We don’t just have numbers on a page, we have a real plan we can count on.”
Our Approach
We helped Karen find clarity and confidence by:
Consolidating her accounts into one simplified retirement income plan.
Guiding her through Medicare enrollment to avoid costly late penalties.
Structuring her investments so her essential expenses would be covered with guaranteed income, while still allowing for growth.
Aligning her financial plan with her estate plan so her children would have clarity in the future.
The Outcome
Karen now receives a steady $4,200/month income stream that covers all of her living expenses. Her accounts are streamlined, and she has a Family Portfolio Binder where every important document and contact is in one place. Most importantly, she no longer feels lost or alone in making financial decisions.
In Her Words
“For the first time since my husband passed, I feel like I can breathe. I know I’m taken care of, and my kids won’t be left with a mess.”
Our Approach
We designed a strategy that gave them peace of mind and put them back in control:
Created a multi-year Roth conversion plan to take advantage of their high income now, before retirement.
Built a tax-smart investment strategy that spreads savings across taxable, tax-deferred, and tax-free accounts.
Coordinated a Social Security strategy to maximize lifetime benefits.
Addressed long-term care concerns with a hybrid life insurance plan that provides flexibility and protection for each of them.
The Outcome
Their plan is projected to save them over $250,000 in lifetime taxes. They now have a clear withdrawal strategy for retirement that balances growth with stability, and a plan in place to handle potential healthcare and long-term care costs down the road.
In Their Words
“We always knew we were okay financially, but we didn’t realize how much money we were leaving on the table without a real tax plan.”
The first step is a free meeting. No sales pitch, just a conversation about your life & goals:
Schedule a Meeting ➝Investment advisory services are offered through Fusion Capital Management, an SEC registered investment advisor. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the advisor has attained a specific level of skill or ability. All investment strategies have the potential for profit or loss.