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 
  • 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 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

 All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.


Tax and Income Planning

  • Comprehensively review your tax situation to highlight opportunities for suitable 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 preservation


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.