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Retirement Planning

The last five years leading into retirement are critical. Not only is your income likely the highest it has been - careful planning can help you get the most out of your nest egg. We start with your desired lifestyle and your financial balance sheet, and develop a gameplan for tax strategies, asset allocation, savings goals, estimated income, and an estate plan. 

Retirement Tax Strategies

If you are typical, you will approach retirement with a combination of tax-free (Roth IRA), tax-deferred (401k, IRA) and taxable (brokerage and savings) accounts. How much you withdraw from each type will decide how much of your nest egg you will pay in taxes. We develop tax-efficient strategies to minimize your tax bills. 

Asset Allocation

The scariest experience is to get within two years of retiring, only to see 30% of your investment value vanish in a market correction. Such risk (known as sequence of return risk) can easily be mitigated through careful asset allocation at every stage of your retirement. 

Spending Guardrails

A key feature of retired life is living within a budget. But most people don't know what that budget should be - and end up either outliving their funds, or living frugally and leaving behind large fortunes. Our process develops risk-adjusted spending guardrails based on your assets and lifestyle goals. 

Estate Planning

Even if your assets are unlikely to cross the threshold for the dreaded "estate tax", there are important considerations to plan for - like how your assets are to be divided, whether charities should receive a part of your legacy. We help our clients think through these important considerations and then partner with vetted estate attorneys to draw up your wills and estate plans. 

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