Retirement Planning

Retirement is one of life’s biggest transitions, and one you shouldn’t have to navigate alone. Our job is to help you create a clear, actionable plan so you know exactly when you can retire, how much you’ll need, and what roadblocks might get in the way.

We’ll walk through every part of the journey together:

Timing: Find out when you can retire comfortably, not just when you have to.
Income: See how Social Security, pensions, annuities, and investments can all work together to create a dependable monthly paycheck.
Taxes: Understand your options for Roth conversions, RMDs, and other strategies to help lower lifetime taxes.
Risks: Plan ahead for inflation, market drops, and healthcare costs — so you’re never caught off guard.

Investment Management

Investing in retirement isn’t about chasing returns, it’s about creating balance. We help you protect what you’ve built while keeping your money working for you.

Here’s how we approach it:

Customized portfolios: Designed around your goals, time horizon, and comfort with risk.
Downside protection: We focus on managing volatility so market swings don’t derail your retirement
Tax-smart strategies: Every investment choice considers efficiency — because what you keep matters more than what you earn.
Ongoing management: As your life changes, your investment plan should change too. We’ll adjust your strategy so it always aligns with your overall retirement roadmap.

Tax Planning

Taxes don’t stop in retirement, they just get more complicated. We help you plan ahead so you keep more of what you’ve earned and avoid costly surprises down the road.

Here’s what that looks like:

Roth conversion strategies: Turn tax-deferred money into tax-free income at the right time.
RMD and withdrawal planning: Know which accounts to draw from first to minimize taxes each year.
IRMAA mitigation: Stay below Medicare income thresholds to avoid paying more than necessary.
Forward-looking analysis: We don’t just focus on this year’s return — we help you make tax-smart decisions for decades to come.

Income Planning

When your paycheck stops, your plan starts. We help turn your savings into a reliable income stream that supports the lifestyle you’ve worked for.

Our approach focuses on:

Predictable income: Building steady monthly cash flow from Social Security, pensions, and investments.
The bucket strategy: Separating your money into Safety, Protection, and Growth buckets so your short-term needs are covered while long-term money keeps growing.
Sustainable withdrawals: Finding the right balance between spending comfortably now and protecting your future.
Inflation awareness: Making sure your income keeps up with rising costs over time.

Estate & Legacy Planning

Your legacy is about more than money, it’s about protecting the people and causes you care about. We help you create a clear, coordinated plan so everything you’ve built is handled the way you intend.

Here’s how we help:

Beneficiary reviews: Make sure your assets transfer smoothly and accurately.
Estate coordination: We’ll work with your attorney (or recommend one) to ensure your legal documents match your financial plan.
Charitable giving: If giving back is part of your legacy, we’ll help you do it efficiently and meaningfully.
Family clarity: You’ll walk away with everything organized in your Family Portfolio Binder so your loved ones aren’t left guessing.

Healthcare & Protection

Healthcare is one of the biggest wildcards in retirement, and one of the most overlooked. We help you make confident, informed decisions about Medicare, long-term care, and insurance so your health and wealth are protected.

We’ll walk you through:

Medicare guidance: Choosing the right plan, avoiding penalties, and understanding how coverage fits with your income and retirement plan.
Long-term care planning: Exploring options to protect your savings if health needs change later in life.
Insurance reviews: Making sure you have the right coverage — and none you don’t need.
Health expense forecasting: Building healthcare costs directly into your retirement plan, so there are no surprises.