Where you are
Retirement is a series of decisions, and which ones are in front of you depends on where you are.
A few years out
Retirement has a date now
There is still time to change the plan, and the choices you make now shape everything that comes after.
On the table
- When you can afford to stop working
- What your retirement will actually cost
- How much to keep saving, and where
Moving out of work
The paychecks are stopping
A lot of decisions arrive at once, and some of them are hard to undo.
On the table
- Turning your savings into a monthly paycheck
- When to claim Social Security
- Health coverage until Medicare starts
- Pension and lump-sum choices
Already retired
The plan has to keep working
Some big choices are already made, like when you claimed Social Security or which pension option you picked. Markets and tax law keep moving, and your plan has to work with all of it.
On the table
- Which account to draw from each year
- Roth conversions and required minimum distributions
- Keeping Medicare premiums in check
- Making sure a surviving spouse is taken care of
What brings people to us
You have done the saving
You have spent years saving for retirement. Now you want to know what your accounts and reliable income can support after taxes, and how the pieces should work together.
You want your planning and your taxes working together
Your income, taxes, investments, and Social Security all affect each other. You want an advisor who plans with your tax return in view and works directly with your CPA, so anything that changes the return is decided together, while there is still time to act.
You would rather not manage the portfolio yourself
You would rather delegate investment management to a professional than handle the portfolio yourself, and spend the time on the retirement you saved for.
Does this sound like you?
If you are approaching retirement or already retired, we would love to speak with you. The first step is a complimentary 45-minute discovery meeting. We confirm fit at the beginning, then dig into your questions and financial picture.