Retirement Ready Workshops & Planning Services

The 5 P's of retirement planning are often identified as Purpose, People, Place, Priorities, and Prosperity. Purpose refers to how you'll find meaning in retirement. People addresses your social network and relationships. Place considers where you'll live. Priorities involve setting goals and managing your time. Prosperity focuses on ensuring financial security through income planning, tax management, and asset allocation to support your retirement lifestyle.

Our complimentary course teaches foundational retirement concepts including income distribution strategies, tax-efficient withdrawal sequencing, Social Security optimization, Medicare planning, investment allocation for retirees, risk management, and estate basics. The course is academic and educational—not a sales presentation. Attendance creates no obligation, and all materials are designed to empower informed decision-making regardless of where you choose to plan.

Our complimentary Retirement Income Course is free to attend with no obligation. For personalized financial planning and advisory services, fees vary based on the scope and complexity of your needs. We operate on a transparent, fee-based structure and provide a clear explanation of costs during your initial consultation. Our goal is to ensure you understand exactly what you're paying for and how we're compensated before any engagement begins.

We host workshops at convenient, trusted locations across Connecticut and Maryland, including Fairfield University, Wesleyan University, Tunxis Community College, University of New Haven, Goodwin University, Shelton Community Center, Bethesda Green Center, Roger Carter Community Center, and Gary J Arthur Community Center. Sessions typically run from 6:00 PM to 8:30 PM and fill quickly with limited seating, so early registration is recommended.

No preparation or materials are required. Just bring yourself and an open mind ready to learn. We'll provide all course materials, handouts, and resources during the session. If you have specific questions about your situation, feel free to jot them down beforehand, though the course itself is designed to be broad and educational rather than focused on individual circumstances.

Retirement income planning focuses specifically on the distribution phase—turning accumulated assets into reliable, tax-efficient income streams that last throughout retirement. It addresses sequence-of-returns risk, longevity risk, healthcare inflation, and withdrawal strategies across taxable, tax-deferred, and tax-free accounts. General financial planning may include accumulation, debt management, insurance, and estate basics, while retirement planning zeroes in on sustainability and income reliability over a 20–30 year horizon.

Sequence-of-returns risk is the danger that poor market performance early in retirement can permanently reduce your portfolio's ability to generate income, even if markets recover later. We manage this through structured withdrawal 'buckets'—allocating near-term income needs to stable assets while keeping growth-oriented investments for longer horizons. Each plan is stress-tested against historical bear markets and recessions to ensure it can withstand volatility without forcing you to sell at a loss.

Absolutely. Estate planning isn't just for the wealthy—it's about ensuring your wishes are honored and your loved ones aren't burdened. We handle the 98% of estate planning that doesn't require an attorney: coordinating account titling, updating beneficiary designations, organizing assets across tax categories, and aligning your will with your financial accounts. For more complex needs like trusts or tax mitigation, we collaborate with qualified estate attorneys to ensure seamless coordination.