Reduce Risk, Fees and Taxes
Retirement confidence comes from a plan—not a product. We design a practical strategy that organizes cash flow, timing, and risk; reviews Social Security; coordinates required withdrawals with your tax professional; and keeps your plan current through regular reviews.
For business owners, we connect personal retirement goals with continuity, executive retention, buy‑sell, and succession/exit considerations.
Our Virtual Family Office (VFO) brings coordinated access to independent CPAs, estate attorneys, and other specialists—so your plan, documents, and advisors stay aligned. We serve clients across the U.S. and are nationally licensed.
Retirement Planning for Individuals and Businesses
Annuities, IRA, 401K & 403B Roll-Overs, Secure Guaranteed Retirement Accounts, Roth Conversions
Consolidate old workplace plans (401(k), 403(b), profit‑sharing) and IRAs into a retirement strategy that fits your income needs and risk comfort. We help you compare staying in‑plan vs. rolling to an IRA or an insurance‑based, guarantee‑backed solution; when appropriate, we use direct rollovers to help preserve tax deferral. Roth conversion planning is coordinated with your tax professional; conversions may result in current‑year taxable income.
Tax Migration Blueprint
The Tax Migration Blueprint helps retirees and pre‑retirees methodically shift savings from taxable and tax‑deferred accounts toward tax‑advantaged or tax‑free structures using tax‑free retirement account (TFRA) strategies.
The Blueprint is designed to address concerns about rising tax rates, Required Minimum Distribution (RMD) pressures, and market volatility that can affect retirement income durability.
Millions of Americans rely on 401(k)s and IRAs, but as balances grow, so can future tax liabilities. When RMDs begin—generally at age 73, and 75 for some cohorts—retirees may see higher taxable income, potential increases in Medicare premiums, and thousands of dollars in unexpected lifetime taxes.
The Blueprint aims to manage and reduce RMD‑related exposure by planning earlier and repositioning assets over time.