RETIREMENT & FINANCIAL PLANNING

Retirement Planning Integration

Most estate plans gather dust. We help you implement your plan, align your financial decisions with your goals, and revisit everything each year, so it works when your family needs it most.

Retirement planning and estate planning are closely intertwined. As a CERTIFIED FINANCIAL PLANNER™, I provide comprehensive retirement planning guidance that integrates seamlessly with your estate planning goals. These services are designed to align your financial strategy with your broader legacy objectives, offering clarity and long-term peace of mind for you and your loved ones.

While I do not sell securities or manage investments currently, I provide strategic advice and collaborate with your financial advisor to ensure your retirement, tax, and estate plans all work together. My focus is on helping you make informed decisions that support both your income needs in retirement and the legacy you want to leave behind.

Key Retirement Planning Services

• Retirement Income Planning

  • Evaluating your income needs and creating a strategy to optimize withdrawals from various retirement accounts (e.g., IRAs, 401(k)s), while ensuring those decisions support your estate plan and long-term financial goals.

• Tax-Efficient Retirement Planning

  • Evaluating withdrawals from taxable, tax-deferred, and tax-free accounts to minimize taxes and extend the life of your retirement savings while preserving wealth to pass on to your heirs or beneficiaries.

• Roth Conversion Strategy

  • Structuring whether partial Roth conversions can reduce lifetime taxes, improve future Required Minimum Distributions (RMDs), and enhance the after-tax value of assets passed to your heirs.

• Social Security Planning

  • Helping you determine the optimal time to claim Social Security benefits to maximize lifetime income, ensuring that your financial security aligns with your broader estate planning objectives.

• Charitable Planning

  • Incorporating Qualified Charitable Distributions (QCDs), charitable bequests, and beneficiary designations into your estate plan allows you to maximize tax benefits while leaving a meaningful legacy to the causes you care about.

Important Disclosures

• These retirement planning services are offered through my CFP® designation and are distinct from the legal services provided by my firm.

• I do not provide investment management services or sell securities.

• My role is to offer strategic advice tailored to your financial circumstances, focusing on integrating retirement and estate planning to achieve your goals.