We build a comprehensive and personalized retirement roadmap for you. That means analyzing your income, expenses, goals, and timeline; optimizing your retirement accounts; projecting future income; and structuring withdrawals. We also coordinate tax-smart strategies, Social Security timing, investment allocation, and healthcare planning.

We begin with a full analysis of your income, expenses, lifestyle goals, and timeline — then build projections tailored to your desired retirement age and lifestyle.

Depending on your current stage and tax situation, we help determine whether IRA, Roth, 401(k), HSA, or brokerage accounts make the most sense — and establish the right mix.

Each package comes with scheduled check-in meetings (annual, semi-annual, or quarterly) plus ongoing support to adapt as your goals evolve.

We integrate tax planning into the retirement strategy — not just for contributions, but also for withdrawals. By coordinating account types (e.g., Roth vs traditional), timing when you take distributions, and aligning with your broader tax strategy, we work to minimize tax drag and maximize after-tax income.

We consider healthcare planning as part of your retirement strategy. That includes assumptions for future medical costs, insurance, and how your health-care needs might evolve. This helps ensure your retirement income plan is realistic and sustainable.