How We Help
Retirement brings a different set of financial questions, where decisions involving income, investments, risk, and taxes can affect one another. We help you understand how those decisions fit together so you can see the bigger picture.
Income Planning
How do you turn what you've saved into the income you need without simply hoping your investments cooperate? Is your current income plan the most efficient use of your dollars?
Investment & Risk Planning
How much risk do you still need to take? How much risk can you afford to take as retirement gets closer?
Tax-Aware Retirement Planning
How might retirement income, RMDs, and investment income interact with your taxes over time? Could your forced RMDs also increase your Medicare IRMAA surcharges?
Roth Conversion Planning
Is a Roth conversion right for me? When should I convert?
How much should I convert? What tax bracket should I convert in? What happens if the market corrects after I convert?
Are there strategies that could help cover the taxes
while I'm converting?
Cash & Tax Efficiency
How much cash should I have on hand? Am I losing purchasing power to inflation? Are there cash strategies beyond CDs, money markets, and high-yield savings accounts? When does it make sense to draw down my savings for income versus taking money from my IRA?
Legacy Planning
How do you plan intentionally for a surviving spouse and the people and causes you love? How could taxes on my IRA affect what my kids inherit? What if one Social Security check isn't enough for my spouse when I'm gone?
