Nearing retirement
The questions change as the date comes into view. Not only whether you have saved enough, but whether the plan holds, what it costs you in tax on the way out, and what happens to it after you.
The questions that come up most
- 01
Whether the plan actually holds
Your entire financial life, working together. We build a clear plan across retirement, investing, taxes, estate, and cash flow, with free tools to aggregate the whole picture and see when something changes. All with an advisor to help.
What we assess for every client - 02
The retirement options you are not using
Pre-tax or post-tax? Employer plan or Roth? If you are a high earner, are you doing your backdoor Roth or mega backdoor? Are you using your HSA like a retirement specialist? These are the accounts that quietly decide what your income looks like later.
Traditional or Roth, and why - 03
Tax drag, in the years it matters most
You have likely heard of asset allocation, but asset location can be just as impactful. Moving asset types into tax advantaged accounts limits tax drag and maximizes take home dollars. Where markets allow we harvest losses for future benefit, and giving, done strategically, carries real tax advantages too.
Why donating shares beats cash - 04
An estate plan that matches the accounts
Only about one quarter of adults have any form of an estate plan, much less one in harmony with their investment accounts. We provide free access to estate creation tools to set up your will and trust, and we keep it coordinated across your financial life.
Everything is included under one transparent fee
Planning, investments, tax strategy, estate work, debt, and insurance review. Included, not upsold. Onboarding is a digital first process that runs 2 to 4 weeks.
Articles worth your time
- Retirement
Retirement: Choosing the right individual retirement account
Picking the right retirement plan option may seem like a “no lose” option, but depending on your current and future tax situation, it could make a huge difference in your retirement income.
March 11, 2019 · 4 min read - Investing
Structure notes: What they are and who might use them
Defined outcome investment products can be a unique solution for the right risk profile, but come with material complexity.
May 20, 2026 · 4 min read - Tax Strategy
Charitable Giving and Tax Efficiency: The Advantage of Donating Shares
Why donating shares instead of cash can be a huge benefit for you and your charity of choice.
August 13, 2025 · 2 min read