Enjoying Retirement with Confidence
Retirement isn’t the end of financial planning – it’s the next chapter.
Message From Richard Sturm
Retirement is one of the most rewarding stages of life, but it also comes with important financial decisions. With over 30 years of experience, my skilled team and I help retirees navigate the complexities of:
- Investment Management Strategies
- Retirement Income Planning
- Tax-efficient Withdrawals
- Healthcare Planning
- Estate Protection
My goal is to provide clear strategies so you can focus on enjoying the life you’ve worked hard to build.
Whether you need a second opinion on your current plan, guidance on making your money last, or help adjusting to unexpected changes, we’re here to help. Let’s work together to ensure your retirement stays secure and stress-free.
Need a Second Opinion?
Markets change, tax laws evolve, and your retirement needs may shift over time. If you’re unsure whether your current plan is still the best fit, we can provide a second opinion to ensure you’re making the most of your hard-earned retirement savings.
Here are some items you should consider reviewing:
- Have you reviewed your withdrawal strategy recently?
- Are you paying unnecessary taxes on your retirement income?
- Are your investments still aligned with your risk tolerance and goals
- Have you updated your estate plan?
Have Questions? Book Your free second opinion call below
Managing Your Retirement Income
We know that navigating your retirement benefits is one of the most important financial decisions you’ll make. That’s why we provide custom services designed to meet your unique needs.
The right withdrawal strategy can make a difference in maintaining financial security. We help retirees create a plan that balances income needs with tax efficiency, ensuring your assets work for you.
Here are some ways we can help:
- Required Minimum Distributions (RMDs)
Avoid penalties and optimize withdrawals - Social Security Timing
Adjusting your claiming strategy - Tax-Efficient Withdrawals
Making smart choices from IRAs, 401(k)s, and brokerage accounts - Adjusting for Inflation
Keeping up with the cost of living
Ready to take the next step in discussing your income strategy. Book a free 15-minute call today!
Estate and Beneficiary Planning
Retirement isn’t just about enjoying today—it’s also about planning for tomorrow. Working with a team of legal, tax and insurance professsionals, we’ll help you create an estate plan that protects your loved ones and ensures your legacy is carried out according to your wishes.
Here are some ways we can help:
- Beneficiary Reviews
Ensure your assets go to the right people - Estate Tax Considerations
Avoid unnecessary taxation on your wealth transfer. - Trust & Will Guidance
We’ll work with your attorney to help ensure your final wishes are documented. - Trust Administration Support
Assisting trustees with managing and distributing estate assets. - Charitable Giving Strategies
Support the causes that matter to you.
Want to discuss your estate plan? Let’s start with a free 15-minute discovery call by clicking the button below:
Ready to Start the Conversation?
Complete the form below and we will be in touch!