Retirees
Retirement marks the beginning of a new and exciting chapter. It is a time filled with opportunity, flexibility, and the freedom to focus on what matters most.
It is also a time when thoughtful planning and steady decision-making become more important than ever. Now that you are drawing from your savings instead of adding to them, the focus shifts to preserving wealth, managing income, and maintaining flexibility as life evolves.
We help you do just that with a steady, thoughtful approach designed to support your lifestyle for decades to come.
A Balanced Strategy Built for Retirement
At the center of our investment philosophy is the Balanced Portfolio Strategy. It combines carefully selected individual stocks for growth with high quality bonds, precious metals, and select alternatives to reduce volatility and provide income. This strategy is designed to deliver dependable monthly cash flow while keeping your portfolio resilient through all types of markets.
Expert Guidance, Independent Advice
Your planning team includes a Certified Financial Planner (CFP) and a Chartered Financial Analyst (CFA), who bring deep experience in retirement income design and investment management. As fiduciaries, we are legally bound to act in your best interest at all times. We do not sell financial products, accept commissions, or rely on packaged mutual funds. Our advice is completely independent and our fees are transparent and easy to understand.
A Financial Plan for Life After Work
Through ongoing conversations and careful discovery, we create a written financial plan that guides you year by year through retirement. It shows how your income needs will be met, how your goals will be funded, and how your resources can adapt over time. The plan takes into account the timing and claiming of Social Security, evaluates pension payment options versus lump sum distributions, and takes into account projected health care costs, especially during the critical gap years before Medicare eligibility at age 65. This living roadmap gives structure to every financial decision while allowing the flexibility to adjust when life does.
Active Income Management
Our income management is active, not passive, and it plays a central role in how your portfolio is managed. Rather than relying on automatic liquidations from mutual funds, we harvest dividends, interest, and capital gains to create sustainable monthly cash flow, even during periods of market volatility. Portions of gains are reinvested to preserve long-term growth and protect against inflation. When additional principal is needed, withdrawals are made thoughtfully to reduce the tax impact. We also monitor Required Minimum Distributions, update beneficiary designations, and revisit long term care planning so your evolving needs are always supported.
Freedom to Focus on What Matters Most
This is what it means to have a true partner in retirement. Someone who pays attention to the details, adapts when life changes, and gives you the confidence to focus on what matters most.
We Are Fee-Only Retirement Advisors
Our sole basis of client compensation, as a fee only financial planner, is advisory fees. Our “Fee-Only” (commission free) approach to retirement financial planning and investment management allows us to avoid advisor/client conflicts of interest and always place your best interest first.
Our Advisory Fees are All Inclusive
- Retirement & Wealth Accumulation Planning
- Investment Management
- Retirement Income Management
- Portfolio Performance Reports
- Client Review Meetings
- Concierge Client Services