Who We Work With
Know if you're on track — and what to do before you stop working
The years before retirement are the most important for getting the details right. Let's make sure they are.
The decade before retirement is when most of the important decisions get made — or missed. Social Security timing, portfolio risk, healthcare coverage gaps, tax planning for withdrawals. Getting these right matters more than any single year of returns.
Common challenges we help with
Am I saving enough?
Most people approaching retirement have a rough number in their head but haven't rigorously modeled whether it's realistic given their timeline, spending, and actual savings rate.
Social Security timing
Claiming early versus late can make a six-figure difference over a lifetime. The right answer depends on your health, other income sources, and whether you're married.
Reducing portfolio risk at the right time
Sequence-of-returns risk — a major market drop early in retirement — is one of the biggest threats to retirement security. Knowing when and how to de-risk your portfolio matters.
Healthcare before Medicare
If you retire before 65, you have a healthcare coverage gap. Understanding the real cost and options — ACA marketplace, COBRA, spouse coverage — is essential for accurate retirement planning.
How we help
We build a retirement readiness model based on your real numbers — what you have saved, what you spend, and what you want retirement to look like — and show you clearly whether you're on track and what adjustments would make the biggest difference.
For most pre-retirees, the plan also includes a tax strategy for the years between retirement and RMD age — often the best window for Roth conversions, capital gains harvesting, and building flexibility for later.
Services most relevant to you
Ready to see what your financial picture actually looks like?
Book a free 30-minute planning conversation. No obligation, no sales pitch.