Smart Planning, Sound Investing

Our typical client already in retirement is in their late 60s or 70s and has spent years working hard to save at least $1 million in investable assets. They desire to make the most of what they have, not just for themselves, but for surviving spouses and heirs. They want to delegate investment management to a professional to avoid unforced errors and so they can enjoy an anxiety-free retirement. They are more concerned with making sure their assets last than trying to beat the market. Here we focus on:

• Creating the strongest retirement plan we can.

• Making sure surviving spouses are provided for and in great hands.

• Maximizing social security benefits.

• Withdrawing from accounts in the most efficient way. Sustainable withdrawal rate. Income needs.

• Planning our Required Minimum Distributions from retirement accounts.

• Managing assets across accounts to get the best after-tax returns.

• Reviewing estate plans.

• Partial Roth Conversions to make the most out of changes in taxable income.