Over the past year, we’ve made several investments designed to strengthen the advice, continuity, and long-term support we provide to you and[...]
Retirees
For retirees, we provide confidence in the transition from wealth accumulation to wealth distribution, helping transform decades of savings into sustainable income, security, and legacy.
Approaching or living in retirement often means managing shifting income sources, evolving tax considerations, and generational planning — all while helping make sure wealth supports lifestyle and purpose.
With multiple accounts, advisors, and priorities, it can be difficult to maintain clarity and direction. That’s where we come in. As Personal CFOs, we help retirees simplify and structure their financial lives. We give them the clarity, control, and confidence to fully enjoy their wealth, while also preserving it for future generations.
How We Help
Create a Sustainable Withdrawal Strategy
We design income plans that balance reliability and flexibility, so that wealth supports lifestyle goals without jeopardizing long-term security.
Maximize Tax Efficiency in Retirement
We coordinate distributions, Roth conversions, and charitable giving strategies, reducing tax drag and preserving wealth for family and philanthropy.
Preserve and Transfer Wealth Across Generations
We align estate planning with family priorities, working alongside counsel to establish trusts, gifting strategies, and structures that protect assets and values.
Consolidate and Streamline Financial Management
We simplify reporting, consolidate accounts, and oversee cash flow, creating clarity and eliminating unnecessary complexity.
Oversee Investments With Purpose and Precision
We design portfolios tailored to income needs, risk tolerance, and long-term objectives, focusing on cost control and tax efficiency rather than speculation.
Support Lifestyle and Philanthropy Goals
We help retirees allocate wealth to what matters most, whether that means travel, family support, or establishing meaningful charitable legacies.
The Background
A physician couple nearing retirement had accumulated significant wealth through their medical practices, investments, and deferred compensation plans. Their financial picture was spread across multiple custodians, retirement accounts, and real estate holdings — with no unified strategy for income, tax planning, or wealth transfer.
The Challenge
They needed a cohesive retirement plan to replace earned income, manage tax exposure, and prepare for the transition of wealth to children and charitable causes.
Our Approach
As their Personal CFO, we structured a comprehensive retirement strategy:
- Retirement Income Planning: Developed a withdrawal strategy integrating pensions, Social Security, and investment distributions for reliable cash flow.
- Tax-Efficient Conversions: Coordinated a multi-year Roth conversion plan to reduce future required minimum distributions and lower lifetime tax liability.
- Portfolio Realignment: Shifted from accumulation-oriented investments to a tax-focused, cash flow-supporting portfolio tailored to long-term security.
- Estate Planning Integration: Partnered with estate counsel to establish trusts for children and charitable beneficiaries, aligning tax strategy with legacy goals.
- Administrative Oversight: Consolidated reporting and day-to-day financial management, streamlining oversight during the transition into retirement.
The Result
The couple entered retirement with a clear, sustainable income plan and peace of mind that their wealth was working with efficiency and intention. They now have confidence that their retirement years will be supported, their philanthropic goals fulfilled, and their children prepared to inherit with clarity and care.
Recent Insights for Retirees
-
-
A new 401(k) rule change is set to reshape how high-income Americans save for retirement. Associate Wealth Manager Alex Canitano was featured in a[...]
