OUR APPROACH

Integrated Retirement, Tax & Wealth Architecture

Led by a CERTIFIED FINANCIAL PLANNER™ professional, we provide timing-sensitive planning for pre-retirees, retirees and business owners facing irreversible financial decisions.

Retirement income, tax strategy, investment structure and ownership decisions are engineered as one coordinated system — not separate conversations.

This work centers around pivotal moments:

• Retirement transitions
• Roth conversion timing
• Medicare & IRMAA thresholds
• RMD sequencing
• Business sales & liquidity events

We work alongside your CPA and attorney — we don’t replace them.

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WHO WE WORK WITH

Pre-Retirees & Retirees

Approaching retirement or recently retired.
Navigating income sequencing, Roth strategy, Medicare decisions, RMD exposure and tax efficiency.

They want coordinated strategy — not product sales.

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Business Owners & Founders

Preparing for a sale, recapitalization or transition.
Managing entity structure, concentrated equity and multi-year tax exposure before terms are finalized.

They need planning before decisions become permanent.

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HOW WE WORK TOGETHER

Tier 1 — Strategic Gap Analysis

A focused diagnostic designed to identify where retirement timing, tax exposure and income sequencing decisions carry long-term consequences.

Investment

Retirees — $3,000 flat fee
Business Owners — $7,500–$12,500 based on complexity

* 100% credited toward Tier 2 if engaged within 30 days.

Includes

• Retirement income sustainability stress test
• Tax bracket & Roth opportunity review
• Medicare / IRMAA exposure analysis
• RMD sequencing review
• Asset location & concentration check
• Estate & beneficiary alignment review
• Clear summary of priority corrections

This is not a template plan — it is a strategic diagnostic.

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Tier 2 — Comprehensive Retirement & Exit Planning

For clients requiring full architecture, multi-year sequencing and coordinated execution.

Investment

Retirees — $8,000 flat fee
Business Owners — $15,000–$25,000 based on complexity

(Level 1 fee credited if engaged within 30 days.)

Designed For

• Complex retirement transitions
• Advanced Roth & tax sequencing
• Multi-year income coordination
• Business sale planning prior to LOI
• Concentrated equity diversification
• Trust & estate structure coordination

This is where decisions are engineered correctly the first time.

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Ongoing Wealth Management (Optional)

For clients engaging in ongoing advisory, we provide coordinated wealth management designed to implement — not replace — the strategy.

Foundational estate documents (revocable trust, wills, powers of attorney, health directives, beneficiary alignment) are included and implemented through a trusted third-party platform.

Investment management is structured to support the plan — not drive it.

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Ready to Get Started?

If you’re approaching retirement or navigating a business transition, the next step is simple.

We’ll determine the appropriate planning path before any engagement begins.