We work best with individuals and couples who are approaching retirement or already retired and want clarity around the decisions that come with turning savings into income. Our clients value thoughtful planning, clear explanations, and guidance that helps decisions work together over time.

Who We Work Best With

Our clients are typically within ten years of retirement or already retired and have accumulated savings they want to use wisely. They understand that retirement decisions are interconnected and want help coordinating those decisions rather than addressing them one at a time.

Many of the people we work with:

• Have saved diligently but want confidence around how to use their money

• Are concerned about retirement spending and long-term sustainability

• Want to understand how taxes affect retirement income now and in the future

• Prefer clear guidance over quick answers or one-size-fits-all solutions

Common Questions We Help Clients Navigate

Clients often come to us with questions like:

• How much can we safely spend in retirement?

• Which accounts should we withdraw from — and in what order?

• How do taxes affect our retirement income over time?

• How should Social Security and pensions fit into the bigger picture?

• What changes if one spouse passes away?

These are not isolated questions. They require coordination to answer well.

Why This Stage of Life Requires a Different Approach

As retirement approaches, financial decisions become more precise and less forgiving. Small missteps around spending, income timing, or taxes can have lasting consequences. That’s why our work focuses on helping clients understand tradeoffs, align decisions, and move forward with clarity rather than guesswork.

Who We’re Not a Fit For

We may not be the best fit for individuals who:

• Are looking for short-term investment advice only

• Prefer frequent trading or market timing strategies

• Want product recommendations rather than coordinated planning

• Are not interested in understanding the decisions behind the recommendations

Our work is best suited for those who value clarity, coordination, and long-term thinking.

Additional Experience

In addition to working with individuals and couples approaching retirement, we have experience helping clients navigate financial situations that involve added complexity and benefit from thoughtful coordination.

This includes experience with:

• Business owners transitioning into retirement

• Self-employed individuals evaluating retirement plan options

• Clients with equity compensation or concentrated stock positions

• Individuals retiring from large organizations or public-sector employment

These situations often involve layered decisions around income, taxes, and timing — making coordination especially important.

A Thoughtful Fit Matters

Finding the right advisor is as much about alignment as it is expertise. If this sounds like you, our approach is designed to support retirement decisions with clarity, coordination, and care.