Personal Wealth Managers for Pre-Retirees and Retirees

As a pre-retiree or retiree, you’ve worked hard to provide the best for your family.  Your family is the center of your life and you want to ensure that you have the time to watch them grow and achieve their own successes.  Now, your focus shifts to taking care of yourself and your spouse so you can achieve your lifetime of independence through retirement.  By retiring on your own terms and enjoying the fruits of your lifetime of hard work.

We have observed those retirees who are proactive and put together a road map are much more successful at achieving a retirement of financial independence. Through planning our goal is to help clients and their families achieve an ease-of-mind by creating actionable steps that layout the path to take in preparation for their successful retirement; an income-taking strategy that works to minimize taxes and provides the model for a lifetime of income.

We are personal wealth managers for people 5 to 10 years from retirement or already retired, who have worked to achieve or are near achieving financial independence and now shift their focus from working and saving to drawing income from their nest egg and enjoying life. They want to sleep well at night knowing they can face the future with anticipation instead of apprehension.

We’ve developed and refined a process for our clients that puts all the pieces of their financial puzzle together as their life unfolds and their needs evolve. We call our proprietary process the Work Optional Formula™.


Up to this point in our lives, the IRS has been like an MVP offense on our side helping us to save for retirement tax deferred.  Now that retirement is within grasp, you are in the time period we like to call the “Retirement Halftime”.  This is our opportunity to strategize on the best game plan for the second half, aka your retirement.

What surprises many retirees as they prepare to take the field for the second half, the IRS is no longer your star-studded offense but rather an all-star defense lined up against you.  They are no longer willing to let you save tax deferred.  Now they want to get their tax dollars.  If you turn 70.5 after January 1, 2020, money may be forced out of your IRAs and 401ks at age 72 in the form of required minimum distributions (RMDs).  You will pay income tax on those RMDs, and if you’re not prepared the RMDs may push you into a higher tax bracket.

Fortunately, if you are still in the Retirement Halftime, this is the time to get prepared.  How much income will we need? From what source should we take income?  Are there steps we can take today to lower taxes throughout our retirement?  What strategies can we take to stay invested in the stock market, so we can stay ahead of inflation? With a solid game plan, you can comfortably step out of Retirement Halftime knowing you are proactively prepared to tackle retirement, rather than attempting to react to the best defense available.