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Retirees & Semi-Retirees

Retirees & Semi-Retirees

After working hard and saving diligently for retirement, many find that it requires a shift in thinking when reaching this milestone.

In addition, the ‘traditional’ approach to retirement is becoming less appealing. Barely 1/3 of pre-retirees have an intention to make retirement a period of not working indefinitely. Instead, whether it’s part-time work, entrepreneurialism, an encore career, or some other path, ‘retirement’ is less and less about not working at all, and more about finding a different kind of engagement (which may still involve some employment income). It’s important to work with a team that understands and celebrates unique visions and pathways.

While you spend this time enjoying the fruits of your labor, our ongoing focus is to ensure you’ll have sufficient funds to support your retirement lifestyle regardless of market volatility or the impact of other factors that are beyond your control.

We work with retirees to manage the technical aspects of tax efficiency, distributions, and risk management to enable you to enjoy this phase of life.

The retirees with whom we work often have questions and concerns such as:

  • I think that I’ve done well saving and preparing for retirement, but how do I know how much money I can safely spend each month without running out of money?
  • I know that I need some safe money for the short-term, and money that is still growing for the long term, but how do I ensure my asset allocation and risk tolerance are in the right balance to ensure the longevity of my assets, beat inflation, and comfortably weather volatile periods in the stock market?
  • I have several different accounts, Social Security, and other financial assets, but how do I piece them together to formulate a retirement income distribution plan?
  • I know that much of my money will be taxed when it’s distributed for use in retirement, or when I pass it on to heirs—is there any way that I can minimize my tax exposure?
  • How do I maximize my Social Security income stream over the long term? At what age should I start taking Social Security? How do I keep my Medicare costs as low as possible?
  • It’s important to me to be able to gift assets to those I love and care about, and charities—how do I do this most efficiently, and how much can I comfortably afford to give?


The physicians with whom we work are highly intelligent, but managing financial affairs can be daunting and time-consuming, especially when spending long workdays caring for patients and managing a practice (and not to mention, oftentimes, a busy family!) 

We help established physicians navigate uncertain times, negotiate and navigate employment transitions, become more tax-efficient, and protect their hard-earned financial independence from lawsuits and other risks. We also guide physicians through the transition from a successful medical career to a fulfilling retirement while maintaining their identity and purpose. Oftentimes, these transitions occur over several years of part-time work/semi-retirement. 

We can help you develop and execute plans to achieve your financial goals and obtain true financial independence.

Physicians often have questions and concerns such as:

  • I feel behind in saving for retirement and other financial goals because of spending 10-15 years in school and training. How do I catch up while successfully balancing an enjoyable lifestyle now without over-extending my budget?
  • What price range is appropriate for me when acquiring a home or second home?
  • How do I ensure I have the best game plan to deal with paying off my student loans? Do I refinance, stay on a forgiveness program, or prioritize paying them down on an accelerated schedule? Is it better to pay off student loans or invest, and what is the most efficient balance between investing and paying off my debt?
  • I want to make sure that I am ‘on track’ for long-term goals for retirement, but how much can I spend today to enjoy life now?
  • I know that I’m in a higher tax bracket, but I want to understand how and make sure that I am maximizing all the tax-favored ways that I should be saving my money. How can I try to predict if I will be in a higher tax bracket now or in the future?
  • Are my contract and compensation commensurate with others in my specialty and with the production level I have?
Corporate Leaders

Corporate Leaders

Many professionals who have achieved successful careers in executive roles have done so at a calculated cost to their time, often sacrificing time to focus on financial security.

We work with business executives and those excelling in their industry to view their financial pictures holistically, advise on enhancing their plans, and help ensure all parts of their financial plans work in harmony to hit financial and retirement goals.

The corporate leaders with whom we work often have questions and concerns such as:

  • I have been contributing to my 401k, but when I think about this as a percentage of my compensation, I know this isn’t enough and I need to save more for retirement. But how much more? And where else do I save and invest? What is the best strategy to supplement my savings to reach the goal of financial independence/retirement/semi-retirement?
  • A good portion of my net worth is tied up in company stock. This is the same company from which I am receiving the biggest asset I have- my income. How do I properly diversify my net worth? What is the best strategy to diversify this strategically without getting crushed by taxes when selling shares?
  • My company offers non-qualified deferred compensation retirement plans, but I don’t understand how they work or if I should take advantage of them.

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