Pre-Retirees
As retirement nears, some questions become more pressing. Will our savings keep up with inflation? Which pension option should I choose? How do I cover health care before Medicare begins?
We help answer those questions by building a clear, long term plan that projects your cash flow, taxes, and living expenses across the rest of your life. With each future milestone mapped out, like your final paycheck, the start of Social Security, and changes in health care costs, you can make informed decisions with confidence.
Your journey begins not with paperwork, but with conversations; learning what keeps you awake and what inspires you. We then build a personalized financial plan that integrates your cash flow today and your dreams for tomorrow. Our investment philosophy? A Balanced Portfolio Strategy: carefully curated through an actively managed mix of individual stocks and exchange traded funds (ETFs) across equities, bonds, precious metals, and select alternative investments that are designed to generate sustainable appreciation and income, reduce volatility, while letting you sleep at night.
As your life evolves with career shifts, college funding decisions, and new home purchases, we continuously refine your plan to protect principal and keep every dollar aligned with its purpose. When you’re ready to reclaim your time and live more intentionally, schedule your complimentary consultation.
The Right Risk at the Right Time
Many people in this stage feel pressure to chase returns or take on more risk than necessary, but doing so can expose your savings to large market losses at exactly the wrong time, just as you begin relying on those assets for income. We believe the right approach is not more risk, but the proper amount. Our Balanced Portfolio Strategy blends an actively managed mix of individual stocks and exchange traded funds (ETFs) across equities, bonds, precious metals, and select alternative investments. This disciplined mix is designed to reduce volatility, protect principal, and keep your plan on track through all types of markets.
A Team of Credentialed Fiduciaries
Your planning team includes a Certified Financial Planner (CFP) and a Chartered Financial Analyst (CFA), bringing together deep retirement expertise and institutional investment discipline. As fiduciaries, we are legally and ethically bound to act in your best interest at all times. We do not sell products, receive commissions, or use packaged mutual funds. Our advice is independent, our fees are fully transparent, and our only incentive is helping you succeed.
Your Personalized Retirement Playbook
Once the investment strategy is in place, we create a written playbook that outlines how to make the most of tax efficient savings, adjust your portfolio as needed, and manage key decisions like timing stock compensation or starting income from retirement benefits. Throughout the process we coordinate with your CPA, benefits office, and attorney to ensure your financial and estate plans work together seamlessly. By the time you are ready to retire, the groundwork is already in place for a smooth and sustainable transition.
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