Holistic Retirement Planning

We design customized, diversified portfolios—combining quality fixed income, equity exchange-traded funds (ETFs) and mutual funds, and other investments—to provide steady income with appropriate risk, while actively adjusting to changing market conditions.

As fee-only fiduciaries, we focus on cost-efficient strategies that keep your funds accessible and working in your best interest. We source high-quality fixed income directly for better pricing and returns, use institutional-class mutual funds and ETFs for lower expenses and broader diversification, and apply rigorous analysis to select investments with strong performance potential. Our sole commitment is to ensuring your retirement plan is flexible, tax-efficient, and designed for long-term success.

What We Can Do For You

• Comprehensive Retirement Income Planning – Identifying required retirement income, projecting asset needs, and adjusting plans over time as circumstances change.
• Healthcare & Insurance Guidance – Unbiased assistance with selecting health care coverage, evaluating long-term care insurance, and addressing other critical pre- and post-retirement issues.
• Social Security & Pension Optimization – Analysis of pension options, IRA distributions, Roth IRA conversions, and optimal Social Security claiming strategies.
• Customized Investment Portfolios – Tailored retirement portfolios balancing fixed income, equities, and other investments to meet income needs and risk tolerance.
• Active Portfolio Management – Continuous monitoring and tactical adjustments in response to changing market conditions to protect and grow retirement assets.
• High-Quality Fixed Income Strategies – Direct purchase of individual bonds, mortgage-backed securities, and notes for better control, quality, and cost savings.
• Specialized Fixed Income Sourcing – Access to reliable fixed-income traders for competitive pricing and higher returns, with no added bond purchase fees.
• Strategic Use of Foreign & High-Yield Bonds – Inclusion of higher-yielding asset classes through diversified institutional mutual funds to enhance income while managing risk.
• Access to Institutional-Class Mutual Funds – Leveraging low-cost, high-minimum investment funds not available to individuals, with rigorous proprietary selection criteria.
• Fee-Only Fiduciary Advice – Providing independent guidance focused solely on clients’ best interests without selling commission-based products.