In later retirement, details matter—RMDs, Medicare, beneficiary updates, and a portfolio that's easy to live with. We coordinate your withdrawals, taxes, and estate wishes, with custom portfolios and custody at Charles Schwab.
You're taking (or about to take) required minimum distributions (RMDs)
You want to manage IRMAA and tax brackets while funding life and giving
You'd like to streamline investments—know what you own
You want beneficiaries, titling, and documents buttoned up
You prefer phone/video check-ins and clear, scheduled reviews
You're thinking about charitable giving and how it fits your plan
Get a documented "retirement paycheck" with a right-sized cash buffer.
Calendar due dates, withholdings, and how RMDs fit your yearly cash flow.
Coordinated taxable → tax-deferred → tax-free with guardrails for IRMAA.
Incorporate qualified charitable distributions (QCDs) into the plan.
Custom, in-house portfolios of individual stocks & ETFs (no mutual funds).
Trust funding, beneficiary updates, and secure digital vault for signed copies.
Attorney/CPA services are separate; we coordinate planning and paperwork. Insurance (if placed) is offered through SG Insurance & Estate Services LLC; carrier pays any commissions—disclosed in writing.
Review income target, taxes, healthcare, charitable intent, and legacy wishes.
Map out withdrawal order with RMDs, withholdings, and Social Security checks.
Simplify where helpful; confirm risk ranges and a down-market playbook.
Verify beneficiaries, fund trusts, arrange notary, and organize signed PDFs in your digital vault.
Scheduled reviews and mid-year tax/RMD check-ins (investing involves risk).
See Fees & What's Included page for current rates
No mutual funds in managed accounts—avoid loads/12b-1 fees
Only if you engage an attorney/CPA or third-party notary
Quick and convenient—great for regular check-ins.
Secure screen-share from anywhere—review projections together.
Our Scottsdale office at 7900 E Thompson Peak Pkwy.
Yes—we calendar deadlines and withholdings, fit RMDs into your cash-flow plan, and coordinate taxes with your CPA.
We plan withdrawals and any conversions with IRMAA brackets in mind and revisit after life-changes that may warrant a reconsideration request.
If eligible, QCDs from IRAs can be coordinated within your plan; we'll outline options and loop in your CPA for reporting.
Where it makes sense, we can consolidate and streamline holdings into a transparent mix of individual stocks & ETFs—no mutual funds.
We keep signed copies in an encrypted digital vault with access controls; you retain originals with you/your attorney.
Schedule a no-obligation introductory call to discuss how we can help keep your income steady and legacy clear.
Instant download + email copy