Financial Planning & Wealth Management Services for Retirees

The best allocation for a 70-year-old depends on income needs, risk tolerance, and time horizon. A common framework is the "age in bonds" rule (e.g., 70% bonds, 30% stocks), but retirees should prioritize income stability and longevity risk. We design portfolios using structured withdrawal buckets—conservative holdings for near-term income and growth-oriented assets for longer horizons—stress-tested against market cycles to ensure resilience and reliable cash flow throughout retirement.

Most retirees need 70-90% of their pre-retirement income to maintain their lifestyle, though this varies based on housing costs, healthcare needs, and discretionary spending. We analyze your current expenses, model inflation (especially healthcare), and project Social Security, pensions, and portfolio withdrawals. Our goal is to build a tax-efficient income strategy across your taxable, tax-deferred, and tax-free accounts that supports your lifestyle for 20-30+ years.

Sequence-of-returns risk is the danger of experiencing poor market returns early in retirement, which can permanently reduce your portfolio's longevity. When you're withdrawing funds, a bear market in your first years can deplete assets faster than the same downturn later. We mitigate this by designing structured withdrawal buckets, maintaining cash reserves for near-term needs, and adjusting distribution strategies during volatile periods to protect your long-term financial security.

Tax-efficient retirement income requires strategic coordination across taxable, tax-deferred (401(k), IRA), and tax-free (Roth) accounts. We model Roth conversions during low-income years, time capital gains to minimize bracket creep, use Qualified Charitable Distributions to reduce taxable income, and sequence withdrawals to keep you in lower tax brackets. Every decision is aligned with current IRS rules to help your wealth last longer and support more of what you value.

Without an estate plan, your assets may be subject to probate—a public, time-consuming, and costly legal process. State intestacy laws, not your wishes, will dictate distribution. Beneficiaries may face higher taxes, and your wealth could be vulnerable to creditors, divorce claims, or mismanagement. We help you establish wills, trusts, and beneficiary designations that ensure your assets transfer efficiently, privately, and according to your intentions—minimizing taxes and legal complications.

Longevity risk—the possibility of outliving your assets—is one of the greatest threats to retirement security. We address this by designing sustainable withdrawal rates (typically 3-4%), diversifying income sources (Social Security, pensions, annuities, portfolio withdrawals), and stress-testing your plan against 30+ year scenarios. Our structured buckets and adaptive withdrawal strategies provide reliable income while preserving growth potential to ensure your money lasts as long as you do.

Yes, as fiduciary advisors, we typically charge a fee based on a percentage of assets under management (AUM). This aligns our interests with yours—when your portfolio grows, we succeed together. Our fees cover comprehensive financial planning, portfolio management, tax coordination, estate review, and ongoing monitoring. We provide transparent fee disclosures upfront and never earn commissions on product sales, ensuring our advice is objective and in your best interest.

Absolutely. We've supported 20+ families long-term with special needs planning, bringing 25 years of experience to this complex area. We design financial strategies that preserve eligibility for government benefits, coordinate with estate attorneys and care planners, and establish trusts and guardianship provisions. Our goal is to ensure your loved one receives lifelong support while protecting your family's financial security and honoring your wishes for their care and dignity.