Home / Services

Five areas. One plan.

Retirement isn't a single decision, it's a coordinated sequence of five. We handle all of them, under one roof, for the pre-retirees and retirees who'd rather not hold the whole picture in their head alone.

How the pieces connect

Each pillar shapes the others. We plan them together.

A Roth conversion changes your taxes, which changes your IRMAA, which changes your Medicare cost, which changes how much income you actually need from the portfolio. Most firms handle one of these at a time. We coordinate all five in the same plan.

The coordinated plan

When every decision talks to every other decision, the plan gets tighter, and you stop carrying it alone.

One quarterback, five specialists, a plan that actually agrees with itself. Your CPA and estate attorney stay in the loop; we do the coordination.

YOUR PLAN
one team, coordinated
01
Retirement Income
02
Wealth Management
03
Tax Planning
04
Legacy Planning
05
Medicare Planning
The five pillars

What we handle, specifically.

01

Retirement Income

Turning a lifetime of savings into reliable monthly income you can count on, a plan built to hold up whether markets cooperate or not. Social Security timing, tax-aware withdrawals, and an income floor that doesn't depend on the market.

includes

  • —
    Social Security claiming strategy
  • —
    Withdrawal sequencing across accounts
  • —
    Income-floor and buffer modeling
  • —
    Annual income re-planning
Explore Retirement Income
→
02

Wealth Management

Investment strategy built for the decumulation years. Risk calibrated to your specific retirement timeline, not a generic target allocation. We rebalance, harvest losses, and keep the portfolio aligned to the plan, not the headlines.

includes

  • —
    Decumulation-stage asset allocation
  • —
    Tax-loss harvesting & rebalancing
  • —
    Account-level asset location
  • —
    Quarterly portfolio reviews
Explore Wealth Management
→
03

Tax Planning

Multi-year tax strategy, not just April compliance. Roth conversions, withdrawal ordering, and IRMAA thresholds coordinated with your CPA. The decisions that move the needle in retirement mostly get set in the fall, not when taxes are due.

includes

  • —
    Multi-year Roth conversion modeling
  • —
    Capital-gains harvesting strategy
  • —
    IRMAA & surtax threshold planning
  • —
    Coordination with your CPA
Explore Tax Planning
→
04

Legacy Planning

Beneficiary alignment, titling, and living documents, a living discipline, not a one-time binder. We coordinate with your estate attorney so the plan you signed actually matches the life you're living now.

includes

  • —
    Beneficiary & titling audits
  • —
    Legacy-document coordination
  • —
    Legacy & charitable-giving strategy
  • —
    Annual legacy review
Explore Legacy Planning
→
05

Medicare Planning

Enrollment timing, plan selection, and the thresholds that decide what you pay for life. Healthcare costs modeled inside your plan, not next to it, so a premium surprise doesn't take a year of retirement away.

includes

  • —
    Part A/B/D enrollment timing
  • —
    Supplemental plan selection
  • —
    IRMAA income-bracket planning
  • —
    Annual plan-change review
Explore Medicare Planning
→
Who this is for

We're a fit for some retirees, and not for others.

We're a fit if

  • ✓
    You want a retirement where your essential expenses are covered by income you can count on, not by hoping the market cooperates.
  • ✓
    You have at least $500k in investable assets and retirement is within 10 years (or already here).
  • ✓
    You want one team coordinating income, investments, taxes, legacy, and Medicare. Not five separate professionals you manage yourself.
  • ✓
    You want to work with a fiduciary, not a broker with product quotas.
  • ✓
    You're comfortable meeting by video, and you value clarity and real conversation over an office downtown.
  • ✓
    You'd rather have a plan you understand than a portfolio you don't.

We're not a fit if

  • —
    You're looking for day-trading, stock-picking, or a specific product pitch.
  • —
    You want to be your own advisor and only need a cheap custodian.
  • —
    You prefer in-person-only meetings at a local office.
  • —
    You're earlier in your accumulation years. Most of what we do is built around decumulation.
  • —
    You're looking for someone who'll tell you what you want to hear, rather than what the numbers say.
Ready when you are

See what a coordinated plan looks like for you.

A discovery call is 30 minutes, no cost, no pressure. We'll talk about your situation, answer your questions, and see if we're a fit. You'll leave the call with one clear next step, whether or not that step is working with us.

Book a discovery call
→
Back to overview