Retirees & Pre-Retirees
Turn the wealth you have built into a retirement designed around your life.
Retirement brings together many decisions—when to step away from work, how to create income, how to invest, what to do about taxes and healthcare, and how to care for the people and causes that matter to you. We help coordinate those decisions into one adaptable plan.
Seeing the Connections
Retirement Is Not One Decision
Retirement is a series of connected decisions made before and throughout retirement. A choice about Social Security can affect withdrawals. A withdrawal can affect taxes and Medicare premiums. Market conditions can affect how much income feels sustainable.
We help you understand those connections so you can make decisions with greater clarity.
Questions Worth Exploring
What Does Retirement Need to Make Possible?
You do not need to have every answer before beginning. Planning starts by identifying the questions that matter most to your life.
When might I be financially ready to retire?
How much can I reasonably spend without losing sight of long-term needs?
Which accounts should provide income—and in what order?
When should I consider claiming Social Security?
How should my investments change as I approach or live in retirement?
How could taxes affect my income and withdrawal decisions?
How should I prepare for healthcare or extended-care costs?
What should be coordinated with my estate-planning attorney and tax professional?
A Coordinated Retirement Plan
What Retirement Planning May Include
The areas we address depend on your circumstances, priorities, and the decisions ahead.
01
Retirement Readiness
Review resources, expected spending, retirement timing, and key assumptions to evaluate possible retirement paths.
02
Income Planning
Coordinate pensions, Social Security, portfolio withdrawals, and required distributions with your expected spending needs.
03
Investment Strategy
Align allocation, liquidity, diversification, and risk with the role each account plays in your retirement plan.
04
Tax-Aware Decisions
Consider the potential tax effects of withdrawals, Roth conversions, charitable giving, and account location in coordination with your tax professional.
05
Healthcare and Protection
Prepare for Medicare-related expenses, insurance needs, and the possibility of extended care.
06
Estate and Legacy Coordination
Help organize beneficiary intentions, family conversations, charitable goals, and matters to address with your attorney.
Tax-aware planning and estate-planning coordination are provided as part of the financial-planning process. SFS does not provide legal, accounting, or tax advice. Clients should consult appropriately qualified professionals regarding their individual circumstances.
Beyond Retirement Day
A Plan That Continues After Retirement Begins
Retirement planning does not end on your last day of work. We review the plan as markets, tax rules, spending, health, family circumstances, and priorities change.
The goal is not a prediction that never changes. It is a decision-making framework you can return to.
Who We Typically Serve
Who This Relationship May Fit
Our approach is designed for people who want ongoing advice and coordinated investment management—not a one-time product recommendation.
We primarily work with individuals and families approaching or living in retirement, often with $500,000 or more in investable assets.
Begin With a Conversation
Bring the Pieces Together for the Years Ahead
You have worked hard to build your financial life. Let us help you understand your choices and create a retirement plan centered around what matters most to you.