One of the largest and arguably most important transitions you’ll face is retirement. Our team is committed to helping you navigate the maze of retirement decisions.

We want to help you make the best decisions possible with your investments, income, and lifestyle. As one of our clients recently said, “I only get to do this once!”

As you transition from working income to retirement income, here is a list of some of the important decisions we’ll help you make:

Confident couple prepared for retirement on vacation

Retirement Decisions We Help You Make:

  • At what age should you retire?
  • When should you take Social Security?
  • What type of investments should you use?
  • How do you minimize retirement taxes?
  • How can you maximize your Social Security benefit?
  • If taxes go up in the future, how do you address that risk?
  • Should you keep your 401(k) or work retirement plan, or move to an IRA?
  • How do you protect your nest egg from market volatility?
  • How do you not run out of money?
  • What retirement accounts should you pull from first?
  • Should you hire a financial advisor?

Transition #1 - Investments

Generally, many clients need to invest differently as they approach retirement. Investments also can change radically once a client is in retirement.

It’s not simply about growing money but also reducing taxes and protecting downsize risk. It’s also about aligning your investments according to your timeline.

For example, money used in the next 3-5 years should be invested quite differently than money not needed for 10 or more years.

Transition #2 - Replacing Your Income

One of the most formidable and difficult transitions is moving from income earned through your career to income coming from a variety of sources such as Social Security, pensions, investments, annuities, etc.

We create income plans for clients that help you know where and when you’ll take income, while also minimizing risks around running out of money.

Our conservative and practical approach to income planning has helped hundreds of families through this income transition.

Transition #3 - Trust

Many clients have saved money through qualified accounts at work such as a 401(k) or 403(b). These generally have been managed through workplace relationships. Other clients have added to their net worth through real estate or selling a business.

Most clients who work with us have used a variety of financial planners, attorneys, and CPAs during their working years.

As you approach retirement, it’s very common that experts in the retirement transition are needed. 

We Have Over 30 Years of Experience with Hundreds of Families

Our Institutional Partners

Complimentary eBook: The Definitive Guide to Retirement Income Planning

Have you thought about how you‘ll transition from a monthly paycheck to a retirement income? Have you truly thought of everything you need for a seamless transition?