Frequently Asked Questions

If you’re seeking a few answers, a second opinion or a new financial advisor, we believe you can benefit from meeting with a member of our team, especially if you’re:

• • Thinking about retirement
• • Facing the loss of a loved one
• • Managing a significant health challenge
• • Navigating a wealth transfer
• … or if you’re concerned about:
• • Running out of money
• • Affording long-term care
• • Reducing taxes in retirement

Have questions? Experiencing a life change? 55 or older and nearing, or already in, retirement? Our team can help.

Retirement income planning is the process of mapping out how you will replace your paycheck once you stop working. We help you create a coordinated strategy using various income sources — such as Social Security, retirement accounts and personal savings — to help provide a steady, reliable income stream for a more secure and fulfilling retirement.

The 10 to 15 years before you stop working represent an important period for financial planning. This window allows us to evaluate your current resources, adjust your savings trajectory and implement tax-efficient strategies to ensure you are fully prepared for the next chapter of your life.

The years surrounding your planned retirement date — often referred to as the “retirement red zone” — are especially critical. Decisions made during this period around savings, investments and income timing can have a lasting impact on your financial picture in retirement.

We begin with a comprehensive review of your current financial picture — including income, savings, investments, expenses and goals. From there, we develop a plan that addresses retirement income, investment strategy and other priorities specific to your situation.

For more information on our Abundant Life Plan process, please visit our financial services page.

The first step is a simple, complimentary introductory conversation. We use this 15-minute phone call to learn about your unique financial situation, answer any preliminary questions you have and explore whether our firm is the right fit to help you create clarity out of chaos.

You can request a free conversation by calling 203.661.3441 or submitting a request on our contact page.

We have helped many individuals and families, and while you may already have an advisor, you may still benefit from our experience and understanding. At the very minimum, we will provide you with a second opinion to see if there is room for improvement in your current strategy.

We primarily serve individuals and families within 10 to 15 years of retirement who are high earners or diligent savers. Our clients generally have at least $250,000 in investable assets to ensure our comprehensive wealth management services align effectively with their needs.

Beyond our pre-retiree, semi-retiree and retiree clientele, we also serve people in transition, including career changers and families experiencing life or health changes. We specialize in supporting individuals going through divorce, especially women.

We’re happy to discuss whether your situation is a good fit during an introductory conversation — there’s no obligation.

Deciding what to do with your 401(k) as you approach retirement can significantly impact your overall strategy.

Our team helps you review your options, which may include leaving the account with your previous employer, rolling it into an individual retirement account (IRA) or moving funds to your new employer’s plan if available. We help you evaluate factors like investment choices, fees, required minimum distributions (RMDs) and your broader tax profile.

Your decision should align with your retirement goals, timeline and long-term plan. We provide clear guidance every step of the way, so your retirement assets can continue to support your needs.

We assist clients with the precise timing and sequencing of income sources. By carefully coordinating your Social Security benefits and retirement account withdrawals, we build tax-efficient strategies based on your individual financial situation, health care cost-control needs and long-term lifestyle goals.

Our team uses a long-term, disciplined approach to investing. We center our strategy on broad diversification, helping keep costs low and working to capture market returns efficiently. We focus on building risk-adjusted portfolios that align with your specific goals and timeline, helping to preserve your assets across various market environments.

To provide us with accurate information, please gather the following items before our initial conversation:

• • Social Security and pension income information
• • Most recent investment account statements (a year-end or quarterly statement, if possible)
• • Any questions or concerns you may have