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You’re Age 50+

You have over $1 Million in retirement savings.

But you have questions...

How do I convert my savings into a retirement paycheck?

How can I cut my lifetime tax bill?

How should I be invested for retirement?

It’s a tragedy to live a smaller life in retirement than you have to.

You deserve better than a conventional plan that leads to a conventional retirement. Sacrifice less and spend confidently in retirement with a personalized plan rooted in time-tested principles and the latest research.

Loving mid aged Couple In Countryside

Make the most of your situation so you can soak up every bit of what brings you joy and meaning.

Say goodbye to rigid and static conventional retirement plans that are detached from reality. Fund your ideal retirement with an adaptive retirement plan designed for the real world.

Be in control of your retirement

Understand your full spectrum of retirement spending level options and tradeoffs

Slash your lifetime tax bill

Build a plan able to handle life’s unavoidable curve balls

Rethinking Retirement Planning. For the Real World.

 
Conventional Approach
Our “Reality-Based” Approach
TAX PLANNING		 Typically confined to tax loss harvesting   Project taxes annually, seeking to minimize your lifetime tax bill through Roth IRA conversions, withdrawal sequencing, asset location, and of course…tax loss harvesting
INVESTMENT MANAGEMENT		 Often high cost and overly complex to justify fee   Logical, transparent, and academically grounded using low-cost index funds
RISK MANAGEMENT		 Asset allocation between stocks and bonds   Asset allocation PLUS active sequence of returns risk management, income laddering/flooring, and total risk-based spending guardrails
PLAN ADAPTABILITY		 NO - One-time probability of pass or fail test   YES - Incorporates reality and adjusts real-time, keeping you on track and maximizing sustainable spending
ADVISOR CONTINUITY		 Revolving door of employee advisors   Advisor-owned firm, with you for the long haul
FIDUCIARY		 Maybe   YES
PRICING		 % of investments, commissions, and/or ala carte   Single, all-in-one FLAT FEE for everyone

What Our Clients Say

“We recently transferred our retirement savings to Thrive and have been working with Mike for several months. He has been nothing but exemplary and is always willing to answer our questions, whether it be a video call or through email. Mike is great at explaining details regarding our retirement plan and how it ties into our own personal values. Because of this holistic approach when creating our personalized plan, I am more comfortable with my financial situation. I highly recommend Thrive Retirement Specialists.” – Paula

“My wife and I have been working with Mike at Thrive Retirement and couldn't be more pleased. He is a fiduciary and takes that seriously. He has become a trusted friend; someone we can reach out to if we have a question or concern. The approach they take is more comprehensive than most other financial planners. If you are looking for someone to help you through the retirement transition, give them a call. You will be impressed.” – Timothy


“It’s been a pleasure working with Tony! He is very responsive and spent a lot of time and effort tailoring a retirement plan just for us. His approach to retirement planning is very comprehensive and he has provided some great information about tax savings strategies that I had never considered. His retirement savings and spending software tools are great for getting comfortable with how we are going to source our retirement spending and how much confidence we can have that we won’t outlive our savings.” – David

“I learned more in my 3 pre meetings than the several years I have spent educating myself. I am so excited about their methodology and process of creating financial security and health. Looking forward to a long relationship together. Anthony is the best!” – Tracy

“One saves for retirement for years but when it comes to retiring and using this savings it is not so easy. Tony helped us set up a plan and helped us though this difficult process. He is aware of so many opportunities that we can take advantage of to enhance our portfolio and ensure we don’t run out of money. We have really appreciated his insight and knowledge.” – Diana

"I have been happily working with Mike Nemick and receiving outstanding service from him, for over 10 years. Mike is the absolute best in the financial business. His in depth knowledge, experience, and sincerity is one in a million. I feel extremely fortunate to have met Mike and will continue to have a healthy financial portfolio and relationship with him, for as long as I am able! I would highly recommend Mike Nemick to everyone who is in need of phenomenally detailed-oriented financial services. Mike’s friendly and helpful personality is an added bonus.” – Kristin

Complimentary Thrive Assessment Working With Us