Our team of specialists functions as a dedicated planning resource for your family — providing ongoing guidance across each dimension of your financial life, adjusting your plan as circumstances evolve, and working to ensure every area is addressed deliberately and in coordination with the others. Through The Bucket Plan® holistic planning process, your retirement plan addresses each of the Five Pillars of Holistic Wealth Management:

Using The Bucket Plan®, we organize your assets across three time horizons: what you need now, what you will need soon, and what is working for your long-term future. We create a structured income strategy that coordinates your investment portfolio, Social Security, pensions, and other income sources into a plan designed to sustain your lifestyle, regardless of what markets do.

For high-net-worth retirees, taxes are often the single largest lifetime expense. Federal income taxes, state income taxes, the Medicare surtax, capital gains taxes, alternative minimum tax, and estate taxes all intersect in ways that require deliberate, year-round management. Our team of CERTIFIED FINANCIAL PLANNER® professionals, CPAs, and Enrolled Agents analyzes your complete income picture and builds proactive strategies including Roth conversions, withdrawal sequencing, and charitable giving structures. Each is designed to help reduce your lifetime tax burden across every year of retirement.

The portfolio strategy that built your wealth is not necessarily the right strategy to sustain it through a 20- or 30-year retirement. We recalibrate your investment approach around the risks that matter most at this stage — sequence of returns, purchasing power erosion, and longevity — while maintaining the growth your plan requires to support a retirement that may last far longer than traditional models assume.

Healthcare costs, long-term care needs, and liability exposure all carry different weight in retirement than they did during your working years. We evaluate your coverage across life insurance, long-term care, and liability protection, and coordinate those recommendations with your comprehensive financial plan.

Whether your goals include transferring wealth to the next generation, funding the causes you care about, or both, we can build a legacy plan that is coordinated with your tax strategy and estate planning professionals to reflect them.

This plan covers beneficiary designations, trust structures, charitable giving vehicles, and the practical organization of your estate so that your wishes are carried out exactly as you intend.