What I Do
Retirement Income Planning
Once you stop earning, the question becomes how the money you've saved supports the life you want across the years ahead.
That's not one decision. It's a series of them, made over time. When to start Social Security. Whether to take a pension as a monthly payment or a lump sum. How much to draw from which account, and when. How to hold enough in reserve to weather a market that isn't cooperating. How to keep the plan working when something in the household changes.
Legacy Planning
Legacy planning is about what you want to leave and to whom, and about making sure the structure is set up so that actually happens.
Beneficiary designations. Titling. Coordination with estate documents. What role, if any, your children or a partner will play in decisions later. If a parent's estate is in the picture, that often lives here too.
Tax-Efficient Investment Considerations
How money is held, drawn from, and passed on has tax consequences. Retirement introduces tax questions that weren't there before: Roth conversions, Required Minimum Distributions, capital gains from a house or a taxable account, Medicare surcharges that key off income.
The point of coordinating taxes with the rest of the plan is to notice the questions before they become surprises.
Investment Management
When investment management is part of the engagement, I manage portfolios inside the plan we've built together.
The portfolio isn't the plan. It's one piece of it, sized and structured for what the plan is trying to do.