Retirement planning that starts with the life you want to live
It’s more than just the numbers. Retirement is about defining what a rich life means to you and making sure that you have the resources to live it, both today and in your next chapter.
Life planning for retirement
Many of our deepest conversations with clients aren’t about money at all. They’re about how you want to spend your time, what brings you meaning, and what you don’t want to miss out on. Because you’re not going to look back wishing you’d saved more. You’ll look back on the experiences you had and the people you spent time with.
We start with the rich life you want to live, then build the financial plan to support it. Not the other way around.
We help you answer the important questions:
Get a definitive answer, not just a guess.
We don’t give vague reassurances. You’ll get a clear answer, either thumbs up (you’re on track) or thumbs down (here’s what needs to be adjusted).
Want more detail? We can show you granular probability scenarios. “You have a 71% chance your money will last to age 95 if you retire at 60. Here’s what you need to do today to be on track.” That’s the level of clarity you deserve.
We’ll calculate your specific number based on your goals.
There’s no magic retirement number that works for everyone. Your “enough” depends on what you want retirement to look like.
Travel? Part-time consulting? Time with grandkids? We’ll run the numbers based on your actual life, not some generic calculator, and update over time as life changes.
Probability-based analysis shows your chances of success.
Markets fluctuate. Inflation happens. Healthcare costs rise. Timing of Social Security benefits. We account for all of it with probability scenarios that stress-test your plan against real-world uncertainty.
You’ll know exactly where you stand and what adjustments might improve your odds.
Don’t sacrifice everything today for a retirement that may never come.
You want financial security in retirement, but you also want to live fully now. Take that family trip. Enjoy experiences with your kids while they’re young.
We’ll help you find the balance so you’re not riddled with guilt about enjoying today while planning for tomorrow. It’s about living your rich life today.
Strategic Withdrawal Strategy
We’ll show you how to pull from your pre-tax, Roth, and taxable accounts in the most tax-efficient sequence. Every dollar you save in taxes is a dollar you can spend on what matters.
Social Security Optimization
When should you claim? Age 62, 67, or 70? We’ll run the scenarios and show you the pros and cons of different claiming strategies based on your situation.
Tax Efficiency That Lasts
Asset location matters. We’ll make sure you have the right investments in the right account types to minimize your tax burden both now and in retirement.
Income That Adapts
Markets change. Inflation happens. Your retirement income strategy needs to be flexible enough to adjust when life throws curveballs.
Part of your comprehensive plan
Retirement planning doesn’t exist in a silo.
It connects to everything else in your financial life.
Investment Management
Your portfolio allocation shifts as you approach and enter retirement. We adjust your risk as your timeline changes.
Tax Planning
We look for proactive opportunities like Roth conversions during years with lower income. Pay your fair share, but no more.
Estate & Legacy Planning
Retirement isn’t just about your life. It’s about the legacy you leave. We’ll help you transfer wealth efficiently to the next generation.
Annual Adjustments
Your plan gets updated every year as markets shift, tax laws change, and your goals evolve. Our Retirement Income Certified Professional (RICP) expertise keeps you on track through the accumulation and decumulation phases.
See our comprehensive YFP Roadmap planning process >
Earlier retirement scenarios
We get it. The traditional path to 65 doesn’t work for everyone.
Whether it’s due to workplace fatigue, caring for aging parents, or simply life changing unexpectedly, you need a plan that adapts.
We build plans for non-traditional timelines.
Ready to start planning for retirement?
Whether you’re quickly approaching retirement or decades away, it’s never too early to start planning your rich life.