The years surrounding retirement are the most consequential financial window of your life. Accumulation is one skill set. Distribution — Social Security timing, sequence-of-returns risk, healthcare before Medicare, required minimum distributions — is a fundamentally different one.
Most families arrive at this moment with a strong portfolio and no coordinated plan for how to actually use it.
Retirement changes everything about how financial decisions work. The paycheck stops. Healthcare coverage changes. Social Security decisions become permanent. The portfolio that was growing now needs to sustain you — and the sequence in which returns arrive starts to matter enormously.
At the same time, you may be helping aging parents, transferring wealth to children, managing executive compensation vesting on the way out, or navigating a spouse’s very different financial situation.
Each of these is a real financial decision. None of them happens in isolation. And the cost of getting them wrong compounds.
We help families coordinate Social Security timing, portfolio withdrawal strategy, Roth conversion windows, and required minimum distributions into a coherent income plan — not as separate decisions, but as one connected system.
Retiring before 65 means navigating COBRA, marketplace coverage, or a spouse’s plan. We help families understand the cost, the options, and how healthcare expenses interact with their tax and income strategy during the transition years.
The years between retirement and age 73 often represent a meaningful tax planning window. We work alongside your CPA to evaluate Roth conversions, capital gains harvesting, and charitable strategies while your income is temporarily lower.
Tax planning language — add standard "we work in coordination with your CPA/tax advisor" disclaimer. [PLACEHOLDER — Amanda to confirm]
Beneficiary designations, trust documents, and the way assets are titled all require review at retirement. We coordinate with your estate attorney to make sure what you’ve built transfers the way you intend.
We serve as the central coordinator across your full financial picture — investment management, tax planning, estate coordination, healthcare planning, and family conversations. One point of contact who knows the whole picture.
How we coordinate the full retirement picture — not just the portfolio →[PLACEHOLDER — testimonial-style client quote pending Amanda compliance review. Do not populate until cleared.]
Many families approaching retirement are also managing aging parents at the same time.
Learn how we help families support aging parents →“[PLACEHOLDER — approved client testimonial about gaining clarity and confidence about retirement and income decisions]”
Client testimonials are provided by current or former clients. No compensation was provided for these statements. Experiences may not be representative of all clients and are not a guarantee of future results or success.
[PLACEHOLDER — TESTIMONIAL: insert an approved client quote (gaining clarity and confidence about retirement and income decisions) or remove this section before launch. Needs (1) real quote text, (2) approved attribution, (3) no compensation/conflicts confirmation, (4) SEC marketing-rule disclosure (shown above) approved by Amanda. LAUNCH BLOCKER if displayed.]
The first conversation is about understanding your situation — not presenting a proposal. No preparation required. No documents to gather. No commitment to make.