Personal & Family

Wealth & Retirement Planning

Retirement planning is more than picking a target date and saving in a 401(k). A complete plan accounts for taxes, healthcare, Social Security timing, inflation, and the lifestyle you actually want. We build personalized retirement plans for individuals and families who want a clear path towards financial independence — and the confidence that comes with it.

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Who We Help

  • Professionals and executives planning 10 to 30 years out
  • Couples within five years of retirement who want to stress-test their plan
  • Anyone with a 401(k), IRA, or Roth IRA who wants a coordinated strategy across accounts
  • Pre-retirees evaluating an early retirement, sabbatical, or career change

Our Retirement Planning Approach

  • Goals-based cash flow modeling that links your savings rate to your retirement income target
  • Tax-aware accumulation across taxable, tax-deferred (401(k), Traditional IRA), and tax-free (Roth IRA) buckets
  • Roth conversion analysis to capture lower tax brackets before required minimum distributions begin
  • Review of 401(k) distribution options when changing jobs (including rollover, leaving with prior employer, transferring to a new employer's plan, and cash-out trade-offs)
  • Annual reviews that adapt to market conditions, life events, and changing tax law

What Makes Our Planning Different

  • Fee-only advice given under a fiduciary standard of care — we never earn commissions for recommending products
  • Holistic financial planning that integrates retirement, estate, insurance, and tax planning
  • Local team based in Glendale, California serving clients across the state and nationwide
  • Plain-language conversations — no jargon, no pressure, no proprietary product sales

Frequently Asked Questions

How much do I need to retire?

It depends on your spending, location, healthcare needs, and life expectancy. We model your specific situation rather than rely on rules of thumb like the 4% rule.

What are my options with an old 401(k)?

It depends. Options typically include leaving funds in the former employer's plan, rolling into a new employer's plan, rolling into an IRA, or cashing out. Each has trade-offs around fees, investment options, creditor protection, and tax treatment. We compare all options side-by-side.

When should I do a Roth conversion?

Roth conversions work best in years when your taxable income is unusually low — early retirement, a sabbatical, or before RMDs begin at 73. We model multi-year conversion strategies to minimize lifetime taxes.

Ready to Talk?

Let's start the conversation.

Every plan begins with a complimentary, no-obligation conversation about your goals.

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