Retire Confidently
With Income That Lasts

We help turn your investments into steady retirement income, create your growing paycheck to offset rising costs, and reduce your lifetime taxes.

Ready to see how retirement income and tax planning can help?

The Problem

Retirement Shouldn’t Be Uncertain.

Rising costs, taxes, and market swings can derail your plans.

Without a clear strategy, retirement can feel overwhelming.

How We Help

A Clear Plan for Income and Tax Savings

We make retirement simple with:

  • A Steady Income Plan to cover your needs and keep pace with rising costs.

  • Tax-Savings Strategies to keep more of what you’ve earned.

  • A Clear Path Forward so you can enjoy retirement without worry.

How It Works

From Uncertainty to Clarity in 3 Simple Steps

1.Schedule Second Opinion

Share your goals.

2.We Build Your Plan

Get your custom retirement income and tax strategy.

3.Enjoy Retirement

Live your life with peace of mind.

Services

  • Retirement Income

    Your retirement income must grow during retirement to offset the impact of inflation. We’ll help you determine how much money you need and create your growing retirement paycheck.

  • Retirement Planning

    Retirement planning is a dynamic process, not a set-it-and-forget-it deal. We’ll regularly review your progress, adjust your retirement strategy as needed, and help you navigate life's inevitable curveballs.

  • Tax Planning

    When was the last time your advisor looked at your tax return? We actively look for opportunities to lower your lifetime tax bill. And we have found six and even seven-figure (yes, $1M+) estimated tax savings for the families we serve.

  • Social Security Timing

    We help you understand and maximize your Social Security benefits.

  • Investment Management

    We utilize low-cost and tax-efficient investment strategies to help you grow and keep more of your wealth.

  • Risk Management

    We ensure your investments are handled wisely, striving to mitigate unnecessary risk while still aiming for good returns.

 Frequently Asked Questions

  • Yes! We are always required to act in your best interest.

  • We charge an annual fee (billed monthly) based on the investments we manage:

    • Under $2 million = 1.5%

    • Over $2 million = 1.00%

    No hidden fees, product sales, commissions, or kickbacks—just transparent, client-focused service.

  • We use low-cost, tax-efficient passive investment strategies, focusing on a diversified mix of individual stocks and ETFs. Why? Many mutual funds have high expense ratios, create tax issues in brokerage accounts, and often underperform their benchmarks. For example, S&P Dow Jones’ SPIVA data shows the percentage of actively managed U.S. Equity Large-Cap funds that underperformed the S&P 500 on a risk-adjusted basis (data as December 31, 2023):

    • 3 years: 73.50% underperformed

    • 5 years: 87.21% underperformed

    • 10 years: 94.06% underperformed

    • 15 years: 95.46% underperformed

    • 20 years: 96.39% underperformed

    You can read the full report HERE.

  • We’ll check in quarterly and offer two virtual appointments each year (spring & fall). Life happens—schedule a meeting anytime. We aim to return calls and messages the same day (always within 24 hours).

  • Yes! You deserve a team of independent professionals working for you. We’re happy to collaborate with your tax expert or estate attorney—or connect you with trusted professionals if needed.

  • Your investments are held at Altruist, a trusted custodian for independent advisors. They manage asset storage, trades, and reporting, allowing us to do our best work for you. LEARN MORE

  • Yes! We partner with Pontera to manage your employer retirement accounts, like 401(k), 403(b), or Thrift Savings Plan. Pontera helps us assess costs, review your investments, and rebalance your portfolio—so we can optimize your retirement strategy. LEARN MORE

  • Yes! We’re a 100% virtual firm, using Google Meet to serve retirement savers nationwide. Skip the traffic and meet us from the comfort of your home. You can schedule an appointment HERE.

What Issues Should I Consider

Before I Retire?

Will your income change? Are large Required Minimum Distributions looming? Is a Roth conversion a good idea? Is your estate plan up-to-date?

Get a head start with our Free Retirement Checklist - a complete guide designed to help you:

  • Plan your cash flow and income needs

  • Review your healthcare and insurance coverage

  • Manage assets and debts effectively

  • And much more

Cover the key steps to start your retirement journey with confidence.