Retirement Planning

We believe retirement planning is a comprehensive and collaborative process that involves integrating many different aspects of an individual or family's finances.

Investment Management

Social Security Planning

Medicare & Health Insurance Planning

Tax & Income Planning*

Estate Planning*

Insurance & Risk Management


Contact us today to schedule a complementary initial consultation




  • Provide education on the structure and regulations concerning various retirement planning options
  • Analyze your current and future income needs to drive investment decision making
  • Develop recommendations to fund your income needs to help maintain a comfortable life
  • Review tax consequences and distribution strategies for your employer retirement plans, IRAs, and Non-Qualified accounts
  • Optimize strategies for Social Security payment options


Investment Management

  • Provide access to institutional level asset management
  • Provide independent recommendations without bias toward particular products or investments
  • Evaluate your tolerance for risk and loss to design appropriate investment strategies
  • Design and maintain personalized investment solutions and a portfolio appropriate to your needs
  • Provide ongoing due diligence and monitoring of investments
  • Electronic delivery of statements and online aggregation of accounts
  • Discuss and present alternative investment solutions for portfolio diversification
  • Recommend proper allocation and positioning of funds in retirement plans such as 401(k)s


Tax and Income Planning

  • Comprehensively review your tax situation to highlight opportunities for optimal tax positioning
  • Incorporate tax law changes and projections into your planning and investment strategies
  • Consult with your tax preparer to make sure all finances and solutions are aligned
  • Review marginal tax brackets and opportunities for:
    • Roth conversions
    • Tax Loss Harvesting
    • 0% Capital Gain Bracket Maximization
  • Required Minimum Distribution projections and planning
  • Net Unrealized Appreciation (NUA) analysis
  • Review of private employer or PERA pension claiming options


Social Security Planning

  • Review Social Security strategies to coordinate with retirement planning goals
  • Analyze claiming options to balance maximizing benefit with impact on nest egg
  • Analyze effect of Government Pension Offset and Windfall Elimination Provision
  • Review limitations and effects pre Full Retirement Age claiming
  • Integrate Social Security into tax and income planning


Estate Planning

  • Review your current estate plan, Will, trusts and powers of attorney for concerns and necessary changes
  • Assist in asset transfer strategies and beneficiary review
  • Organize meetings with your family to review your financial and estate situations
  • Provide guidance with the appropriate and necessary steps in the event of the death of a loved one
  • Assess philanthropic giving solutions through understanding your family goals and charitable values
  • Consult with your estate planner to make sure all solutions are aligned


Medicare and Health Insurance

  • Review of health insurance options
  • Analysis of COBRA and Exchange based coverage
  • Medicare enrollment support
  • Medicare Supplement review and recommendations
  • IRMAA Planning
    • Coordinate tax and income planning for IRMAA reduction
  • Health Insurance Exchange
  • Coordinate tax and income planning to identify opportunities for health insurance tax credits


Insurance and Risk Management

  • Evaluate existing insurance coverage and plan for additional protection needs
  • Analysis and Review of:
    • Life Insurance
    • Disability Insurance
    • Long Term Care Insurance
  • Review of insurance based products for asset protection  


Additional Offerings

  • Provide referrals to other professionals who can help address all elements of your total financial picture
  • Analyze and implement solutions for employee benefits administration for your small business
  • Find solutions for executive compensation investments such as restricted or concentrated stock holdings





**This list is intended to provide examples of various topics and services Retirement & Estate Advisors review with their clients. Retirement & Estate Advisors does not guarantee any specific product or service will be offered or reviewed. Account and fee minimums apply. 

*Tax and/or legal advice is not offered by Retirement & Estate Advisors. Please consult with your tax professional for additional guidance regarding tax-related matters. Tax and Estate planning services provided in conjunction with your licensed legal professional.