Retirement Planning
Each part of the process is designed to reduce a specific type of risk—so you can move forward with clarity and confidence.
Retirement Paycheck
Turn your savings into income.
I help you build a plan that pulls income from the right places at the right time. That includes:
- Social Security
- Pensions
- Rental income
- Required Minimum Distributions (RMDs)
- Dividends, interest, and more
Why it matters:
It’s easier than most people think to end up in a higher tax bracket in retirement. I help you avoid that.
Investment Management
Smart investing for a smoother retirement.
I design investment portfolios that aim to lower risk, grow your money, and turn your savings into a steady paycheck.
Here’s what I focus on:
- Keeping Costs Low
High fees can drag down your returns. That’s why I use low-cost index funds that have a strong track record. - Reducing Taxes
I build portfolios with low turnover, which helps avoid unnecessary taxes and hidden costs. - Choosing the Right Mix
I only invest in asset classes backed by solid research—and that work well together to reduce risk. - Rebalancing Regularly
This helps me buy low, sell high, and keep your plan aligned with your goals—without getting distracted by the headlines.
Tax Planning
Pay less in taxes now—and later.
With year-round planning, I help you find ways to reduce your tax bill today and in the future.
What’s included:
- Roth conversion strategies
- Smart timing of income streams
- Tax-efficient investing
- Charitable giving strategies
- And more
I stay on top of changing tax laws, so you can feel confident you’re not missing anything.
Tax Preparation
Yes, I even do your taxes.
You’ll receive an annual credit that covers the reasonable cost of tax prep through my sister company, Encore Tax Services. I do this to keep everything under one roof—simple and stress-free.
Risk Management
Get the right protection at the right price.
I review your current coverage and help you find better options if needed. And if a policy no longer fits your life, I’ll help you unwind it safely.
I regularly review:
- Life Insurance
- Long-Term Care
- Annuities
- Disability Insurance
- Home & Auto
- Umbrella Policies
- Health Insurance
As a fiduciary, I work for you—not an insurance company.
Estate Coordination
Make sure your plan holds together—now and later.
Most estate plans are created once—and then slowly drift out of sync with reality.
Accounts change. Strategies evolve. Priorities shift.
I help you bring everything back into alignment so your plan works the way you think it does.
That includes:
- Reviewing your will, trust, and core documents
- Aligning beneficiaries with your current strategy
- Catching conflicts between your estate plan and your financial plan
- Coordinating updates with your attorney when needed
Most estate plans are built in isolation. I make sure yours actually fits the financial plan we’re building.
Complex Problem Solving
For decisions don’t with no clear “right” answer. The ones that involve tradeoffs, uncertainty, and real consequences.
I help you slow things down, think clearly, and make decisions you can stand behind—not just today, but years from now.
That might include:
- What happens if I retire two years earlier?
- Should I do a 1031 exchange or take the tax hit?
- How can I manage this concentrated stock position?
- Can I afford to help my kids with a home purchase?
- What’s the best way to handle this major tax decision with long-term consequences?
- Other messy, complex, or unfamiliar financial situations abound…
How I approach it
- Break the problem into understandable pieces
- Model the tradeoffs—financial and practical
- Identify what actually matters vs. what just feels urgent
- Coordinate across tax, investments, and long-term planning
- Help you make a clear, informed decision
Why it matters
These are often one-time decisions with long-lasting consequences.
They don’t come with instructions and they don’t always give you a second chance.
You don’t need to have all the answers.
You just need a clear way to think through them.
Ready to Take the Next Step?
If you’re looking for clear answers and a retirement plan that actually fits your life, I’d love to help. No pressure, ever.