Pre-Retirees & Retirees
The decision to retire is one of the most important decisions of your life. We help our clients decide if now is the time and to go through the complex decisions one needs to think through to make the jump.
"Empowering progress through precision and integrity."
Our Philosophy
500+
Clients
15
Industries
20 Years
Experience
How We Help You
Creating Your Paycheck:
Now that you’re retired, you need a paycheck from your accounts to live on. Based on your personal financial plan, we help you decide how much that paycheck should be, how often do you get paid, and what's the most tax-efficient way to get it to you.
Withdrawal Strategy:
What accounts do you get your paycheck from? Depending on what stage of retirement you're in, that account could change. We help you decide what accounts to withdraw from in the most tax-efficient manner possible. Should you take money from your IRA, Roth IRA, or your Taxable Brokerage Account?
Social Security Optimization:
When should I take Social Security? How does that impact my Social Security income? Should I take it as early as possible at 62, full retirement age, 67, or as late as possible at age 70? We help you analyze this decision and explain the pros and cons of taking SS at each age.
Roth Conversion Analysis:
Now that you’re in retirement, your income has either dropped significantly or has gone all the way to zero. What better time to convert your IRA money to a Roth IRA when you’re in a significantly lower tax bracket. Roth conversions can help retirees dramatically lower their lifetime tax bill.
Custom Investment Portfolio:
Now that most of your income is coming from your portfolio – it’s incredibly important to have the right asset allocation mix for retirement. Do you have the right stock/bond mix? Do you have too much exposure in one area of the market or one company? We help you think through these important investment decisions - as these investments need to last the remainder of your life!
Estate Planning:
Do you have a proper Will & Trust to make sure you avoid a long & lengthy probate process?
Do You Know About Probate and How to Avoid It?
Probate is a court-supervised process of distributing your assets after death — and it comes with real drawbacks. It can consume 2%–5% of your estate's value in legal and court fees, drag on for 12–18 months or longer, and become a matter of public record, meaning anyone can see what you owned and who received it. If you pass without a Trust in place, your assets must go through this process whether you have a Will or not — the court still oversees distribution, and a Will alone doesn't bypass it. We help you structure your estate so your wishes are carried out privately, efficiently, and on your terms — not a judge's.
Now that you’re retired, you need a paycheck from your accounts to live on. Based on your personal financial plan, we help you decide how much that paycheck should be, how often do you get paid, and what's the most tax-efficient way to get it to you.
Withdrawal Strategy:
What accounts do you get your paycheck from? Depending on what stage of retirement you're in, that account could change. We help you decide what accounts to withdraw from in the most tax-efficient manner possible. Should you take money from your IRA, Roth IRA, or your Taxable Brokerage Account?
Social Security Optimization:
When should I take Social Security? How does that impact my Social Security income? Should I take it as early as possible at 62, full retirement age, 67, or as late as possible at age 70? We help you analyze this decision and explain the pros and cons of taking SS at each age.
Roth Conversion Analysis:
Now that you’re in retirement, your income has either dropped significantly or has gone all the way to zero. What better time to convert your IRA money to a Roth IRA when you’re in a significantly lower tax bracket. Roth conversions can help retirees dramatically lower their lifetime tax bill.
Custom Investment Portfolio:
Now that most of your income is coming from your portfolio – it’s incredibly important to have the right asset allocation mix for retirement. Do you have the right stock/bond mix? Do you have too much exposure in one area of the market or one company? We help you think through these important investment decisions - as these investments need to last the remainder of your life!
Estate Planning:
Do you have a proper Will & Trust to make sure you avoid a long & lengthy probate process?
Do You Know About Probate and How to Avoid It?
Probate is a court-supervised process of distributing your assets after death — and it comes with real drawbacks. It can consume 2%–5% of your estate's value in legal and court fees, drag on for 12–18 months or longer, and become a matter of public record, meaning anyone can see what you owned and who received it. If you pass without a Trust in place, your assets must go through this process whether you have a Will or not — the court still oversees distribution, and a Will alone doesn't bypass it. We help you structure your estate so your wishes are carried out privately, efficiently, and on your terms — not a judge's.
Trusted Advisory Process
Our Proven Process
Discovery
We begin with a comprehensive analysis of your business landscape, challenges, and opportunities.
Strategy
Our experts craft tailored solutions aligned with your goals and market positioning.
Implementation
Strategic execution with precision, ensuring seamless integration across your organization.
Optimization
Continuous refinement and performance monitoring to maximize long-term value.