Retirement Planning for Pre-Retirees and Retirees
Helping you turn savings into dependable income — while managing taxes, risk, and life’s uncertainties.
Who This Is For
This page is for people who are within a few years of retirement or already retired and want more than generic advice or investment management.
You’re likely thinking about:
- How to turn savings into reliable income
- When and how to claim Social Security
- Managing taxes now and later
- Protecting yourself from major risks like market downturns, healthcare costs, or the loss of a spouse
- Making confident decisions without constantly reacting to headlines
If that sounds familiar, you’re in the right place.
Who This Is Not For
We are not a good fit for everyone.
We are probably not the right firm if you:
- Are primarily focused on beating the market or comparing returns to the S&P 500
- Want a one-time plan or hourly advice
- Prefer to manage decisions yourself but want occasional validation
- Are looking for quick answers without thoughtful tradeoffs
Our best clients want an ongoing relationship and value clear guidance over constant second-guessing.
How Our Retirement Planning Is Different
Most retirement planning focuses on projections and assumptions — and hopes life cooperates. Our approach focuses on decisions and adaptability.
We help clients:
Build retirement income plans designed to adjust as life and markets change
Integrate Social Security, pensions, and portfolio withdrawals intentionally
Treat taxes as a core planning variable, not an afterthought
Avoid overreacting to short-term market noise
Make decisions with guardrails instead of guesswork
The goal isn’t to predict the future. It’s to stay on track even when the future doesn’t go as planned.
What We Help You Navigate
Turning accumulated savings into dependable, sustainable income.
Personalized strategies based on your goals, not generic rules of thumb.
Coordinating withdrawals, Roth strategies, and income timing to reduce lifetime taxes.
Planning for downturns without letting fear derail your lifestyle.
Widowhood, health changes, or shifts in spending — planned for, not ignored.
What to Expect Working With Us
Our process is collaborative, structured, and designed to reduce uncertainty.
You can expect:
A clear understanding of how your retirement income works
Ongoing guidance as circumstances change
Proactive tax planning, optimization and coordination
A long-term advisory relationship, not transactional advice
Most importantly, you’ll know why decisions are being made — not just what to do.
Next Steps
If you’re approaching retirement or already retired and want a planning-driven approach focused on income, taxes, and confidence, the next step is a conversation.
We’ll discuss your situation, your concerns, and whether we’re the right fit — no pressure, no obligation.
Free Strategy Call
You can put our expertise to the test while we learn what really matters in your situation—your Social Security and pension choices, investment strategy, and tax decisions that will ultimately determine how secure and stress-free your retirement will be.
Retirement Assessment
You’ll get a concise analysis that shows what your options really look like and the path we believe makes the most sense—based on the often-overlooked impact of Social Security and tax decisions on your retirement income.
Hire us (or don’t)
The Retirement Assessment is free, but it isn’t the end goal. Our objective is to help you retire confidently, stay retired, and—if the fit is right—continue working together as your ongoing financial advisor to guide every major decision along the way.