WHO WE SERVE
Are We the Right Fit?
We work with families who have saved diligently and want expert guidance to make the most of their retirement. If you have $500K+ in retirement savings and are within 10 years of retirement (or already retired), we're built for you.
IDEAL CLIENTS
You Might Be a Good Fit If...
You've saved $500K+ for retirement
You've been disciplined with your savings and now need expert guidance to turn those assets into a reliable income stream that lasts.
You're within 10 years of retirement
You're approaching the transition (or have already made it) and need clarity on when to claim Social Security, how to withdraw tax-efficiently, and whether you have enough.
You want a fiduciary, not a salesperson
You've been burned by commission-based advisors or product pushers. You want someone legally obligated to put your interests first.
Taxes keep you up at night
You know taxes will be one of your biggest retirement expenses, and you want a strategy to minimize what you owe — legally and ethically.
You have a portfolio but not a plan
You've accumulated assets across multiple accounts, but no one has shown you how they all work together to fund your retirement lifestyle.
You're a federal employee
You have FERS, TSP, FEGLI, and FEHB — and most advisors have no idea what you're talking about. We do.
CLIENT PROFILES
Who We Help
Pre-Retirees (Age 55-65)
You're within striking distance of retirement and need answers: Do I have enough? When should I claim Social Security? How do I turn savings into income? What about healthcare before Medicare?
See Our Planning Process →New Retirees (Age 62-70)
You've made the leap and need to optimize your new financial reality: Am I withdrawing from the right accounts? Should I do Roth conversions? How do I navigate Medicare and IRMAA?
Tax-Efficient Strategies →Established Retirees (Age 70+)
You've been retired for years and want to preserve and transfer your wealth: How do I manage RMDs efficiently? Is my estate plan up to date? Should I consider charitable strategies?
Legacy Planning →Federal Employees
You have a unique benefits package that requires specialized knowledge: How do I maximize my FERS annuity? What's the best TSP strategy? Should I keep FEGLI into retirement?
Federal Benefits Planning →Who We Don't Serve
We're retirement income specialists, which means we focus on a specific type of client. We're not the right fit if you:
- Have less than $500K in retirement savings
- Are more than 10 years from retirement
- Want someone to manage your day trades or stock picks
- Need college savings or accumulation planning
- Prefer commission-based advice or product sales
That's not a judgment — it's just not what we do. Our entire practice is built around retirement income planning, tax optimization, and fiduciary advice for families in or near retirement.