BRIDGE

THE

TO RETIREMENT

You've spent decades building wealth. We'll help you make it last. Retiring successfully isn't about having money—it's about knowing how to use it without running out, without unnecessary taxes, and without anxiety.

Our BRIDGE to Retirement Process is a systematic six-step approach designed specifically for people to retire with more confidence.

WHAT MAKES IT DIFFERENT

Comprehensive - Everything works together. Your investment plan informs your tax plan. Your tax plan affects your income plan. Your income plan affects your Medicare strategies.

Customized - Two clients with identical balances will have completely different plans based on their specific situations and retirement objectives.

Educational - You'll understand the "why" behind every recommendation, giving you greater clarity and control.

  • Complimentary call to understand your situation, goals, and concerns. This allows us to see your entire picture and determine if we will be a good fit moving forward

  • Comprehensive analysis of your investments, tax exposure, and retirement risks.You'll see clearly what's working and what needs attention and how your portfolio can be optimized for improved outcomes. This gives us a great opportunity to stress test your portfolio so you can understand your true risk exposure and how much risk you require to meet your planning objectives.

  • We are expert retirement income planners. We analyze all income sources—Social Security, pensions, investments—and create strategies to maximize guaranteed income while reducing taxes

  • Your customized Retirement Roadmap: Time Segmented investment strategy, year-by-year tax plan, Medicare guidance, and withdrawal strategy.

    You'll see exactly where your money comes from each year of retirement giving you greater peace of mind and confidence.

  • Our implementation process is high touch. We’ll provide an implementation timeline with every step we need to complete to implement and execute your retirement plan. You’ll always know where you are in the implementation timeline and what comes next. True white glove service.

  • Our work is never done. Regular investment reviews, annual tax planning, legislative updates, and adjustments as life changes.

    This is a long-term partnership, not a one-time plan.

  • Our #1 goal is to improve your retirement outcomes. Our clients are all unique but have one thing in common - they value our white glove approach to retirement planning. If you’re thinking about retirement, we’re here to help.

  • We are independent investment advisors & custody our assets with Charles Schwab.

  • It’s one of our specialities. We have one goal when it comes to tax planning: mitigate your total tax burden over the lifetime of your retirement. We have a deep understanding of Roth accounts, Social Security taxation and the various tax traps that wreak havok on retirements.

  • Yes. We serve clients nationwide. While we love meeting clients in person, we have the technology and capabilities to fully service all of our clients remotely. This allows us to see our clients easier and more frequently, providing better customer support.

  • Social Security planning is a cornerstone for income optimization strategies. We are experts when it comes to Social Security timing, with a deep understanding or spousal and widow benefits. We’ll help you decide the perfect time to file for Social Security that has the greatest impact on your retirement and legacy.

  • Our Medicare team will provide a deep dive into your various Medicare options. We breakdown the key differences between MedAdvantage and Supplement plans, helping you choose the right coverage given your needs, your budget and your doctors.

  • Annualized Fees (Include Financial Planning and Consulting Services) Assets Under Management 

    Up to $1,000,000 in assets - 1.00% fee

    $1,000,001 to $2,000,000 - 0.80% fee

    $2,000,0001 to $3,000,000  - 0.70% fee

    Above $3,000,000  - 0.60% fee

    Multi-Family Annualized Fees (Includes Financial Planning and Consulting Services) 

    Multi-Family Bundle Pricing: For families with more than one (1) household, multi-family bundle pricing will apply. The following pricing will apply per household: Assets Under Management 

    Under $1,000,000 - 0.70% fee

    $1,000,000 and above - 0.55% fee

  • Investment portfolio selection & management, Time Segmented Investing, retirement distribution planning, tax planning, Medicare guidance, Social Security optimization, income strategies & unlimited access to your plan via the Torrey Pines Financial Client Portal.