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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.
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.
|Our “Reality-Based” Approach
|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
|Often high cost and overly complex to justify fee
|Logical, transparent, and academically grounded using low-cost index funds
|Asset allocation between stocks and bonds
|Asset allocation PLUS active sequence of returns risk management, income laddering/flooring, and total risk-based spending guardrails
|NO - One-time probability of pass or fail test
|YES - Incorporates reality and adjusts real-time, keeping you on track and maximizing sustainable spending
|Revolving door of employee advisors
|Advisor-owned firm, with you for the long haul
|% of investments, commissions, and/or ala carte
|Single, all-in-one FLAT FEE for everyone