Retirement Planning Services

Retirement Planning

You’ve been saving for retirement for decades and have worked hard to get here. That’s why we make your retirement our priority.

We provide retirement services that include advice about matters like estate planning, family legacy planning, Social Security, and income tax planning to help you maintain your lifestyle after retirement.

Our planning also addresses two of the biggest concerns retirees face: making assets last through a longer life and navigating the challenges of market downturns.

We follow a disciplined, rules-based approach that’s designed to manage risk and help keep your retirement plan on track.

Investment Planning

We believe the best portfolio is one you can stay invested in with confidence.

That means balancing growth opportunities with strategies that help reduce risk, especially during market downturns.

Our approach is disciplined and rules-based, designed to limit exposure to large drawdowns while keeping clients invested in strong, long-term trends.

We build portfolios primarily with carefully selected ETFs screened for quality, liquidity, and competitive expense ratios, and, when appropriate, include individual stocks.

Our investment planning is guided by a disciplined, rules-based process called CoreGuard™. CoreGuard™ is designed to help clients participate in market growth while paying close attention to risk as conditions change, with the goal of managing downside exposure during more challenging markets.

Tax Planning

Taxes may affect your retirement income, and differently than you might expect. Tax planning for retirement means looking at your finances, current and future, under a new light.

For most of your working years, you’ve been earning and saving. When you retire, that likely transitions to spending, where the tax implications can be completely different.

Some critical considerations include: How taxes on Required Minimum Distributions could affect your cash flow. How the timing of your Social Security benefits could increase your taxes. How taxes affect your Medicare benefits. How the IRS taxes your various types of income.

Unexpected post-retirement taxes can catch you off guard with costly fees that cut into your retirement savings. That’s currently a real risk, and one you may avoid with effective tax planning for retirement. Don’t wait until you’re retired to plan ahead.

Estate Planning

Planning for retirement can be a joy. Imagine what you can do now that you have the time - the places you’ll go, the people you’ll see.

But planning for retirement is serious business. You've worked hard to save and grow your retirement savings. Now you need to protect your family when you’re gone.

You should have a proper estate plan in place to help provide for your family and ensure that your wishes will be carried out. Then you can relax and enjoy your retirement.

We can help you with estate planning for retirement as part of our comprehensive approach to retirement planning.

After all, our goal is to offer you financial peace of mind, and that includes peace of mind regarding your legacy.

Get Retirement Ready

Retirement brings important questions:
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‍How much is enough? When can I retire? What kind of lifestyle can I afford?
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This short video walks through the core decisions that shape a successful retirement plan.

It highlights how income planning, investments, cash flow, taxes, and Social Security all work together - and why taking a holistic approach matters before and after retirement.

The goal isn’t just to retire, but to retire with clarity and confidence.

Navigating Market Uncertainty

Markets don’t move in straight lines - and retirement planning has to account for that reality. Uncertainty and volatility can impact long-term plans.

This is why having a disciplined, rules-based approach matters, especially during difficult markets.

We use a structured investment process designed to help manage risk when conditions begin to change, not by predicting the future, but by responding thoughtfully as trends evolve.

It’s about staying invested when it makes sense, and being prepared when it doesn’t.