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Services for Pre-
Retirees and Retirees

Delivering the Guidance Needed to
Live Your Best Life in Retirement

This is Retirement Done Your Way

When the future you’ve been working toward is finally here, you goals start shifting:

Awareness

You have questions about retirement, and you need someone who can answer them concisely and, ideally, in plain English.

Education

There’s just no substitute for feeling financially secure and confident in your ability to enjoy retirement on your terms.

Leadership

Whether you’ve worked with an advisor before or gone it alone, you understand the need for professional guidance in retirement.

Services

Retirement Income Planning

In the decades leading to retirement, you have one big advantage on your side: time. But once the switch flips from accumulating assets to living off them, you get just one shot to do it right.

We’ll build the blueprint for preserving your portfolio’s longevity, while giving you the confidence and freedom to enjoy the retirement lifestyle you always envisioned.

Our Services Include:

  • Social Security maximization and optimization
  • Identifying your current ideal cash flow
  • Ongoing tax planning to reduce your tax bill
  • Aligning all the moving parts of your financial life to create a successful retirement

Investment and Portfolio 
Risk Management

Our investment portfolios are carefully designed to help you achieve your key investment objectives: Reduce risk, improve returns, and create a reliable income stream in retirement.

We pursue this goal by developing tailored, tax-efficient portfolio structures with low-cost funds and diverse asset classes to protect against unpredictable market movements.

Learn more

Our Services Include:

  • Customized, tax-efficient portfolio
  • Integration of 401(k) accounts into one portfolio model
  • Ongoing tax planning to reduce your tax bill
  • Aligning all the moving parts of your financial life to create a successful retirement

Advanced Tax Planning

While other concerns may come and go in retirement, taxes are one of the few certainties in life. We believe proactive, multi-year tax planning is critical for preserving more of your wealth in retirement while carrying out an effective legacy plan later on.

We help our clients leverage both tax-advantaged and taxable products as part of our comprehensive tax planning service.

Our Services Include:

  • Roth IRA conversion evaluation
  • Form 1040 tax-optimization reports
  • Personalized tax-reduction reports
  • Year-end tax filing services, free of charge for clients with $1MM+ of assets under management

Legacy and Estate Planning

You want your portfolio to outlast your lifetime, since doing so enables you to give generously to your loved ones.

There’s an art and a science to legacy planning, and our team is here to help you through every aspect of developing a solid estate plan and executing it after your passing in a tax-efficient manner.

Our Services Include:

  • Coordination with your OR our estate attorney
  • Tax-efficient wealth transfer strategies
  • Multi-generational wealth planning
  • Comprehensive estate plan review

Charitable Giving

We help you make a lasting impact—while maximizing the tax benefits of giving.

Whether you’re passionate about supporting a cause or creating a meaningful legacy, our team will guide you through smart, strategic, and tax-focused charitable planning. In doing so, we’ll work together to ensure your generosity aligns with your greater financial goals.

Our Services Include:

  • Donor-Advised Funds (DAFs)
    Simplify your giving with a flexible, tax-efficient solution that allows you to support multiple charities over time.
  • Charitable Remainder Trusts (CRTs)
    Create income for yourself or loved ones now, while gifting the remainder to a charitable organization later.
  • Qualified Charitable Distributions (QCDs)
    Reduce your taxable income by donating directly from your IRA, if you’re age 70½ or older.
  • Legacy Giving Strategies
    Incorporate charitable giving into your estate plan to leave a lasting legacy aligned with your values.
Case Study

From Complexity to Clarity

Case Study: From Complexity to Clarity Meet Mark & Susan Mark and Susan were proud of the nest egg they had built—over $8.2 million in…

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From Complexity to Clarity
Case Study

A Couple Restructuring Their Retirement for Tax Efficiency and Stability

Case Study: A Couple Restructuring Their Retirement for Tax Efficiency and Stability Meet James & Linda James and Linda felt proud of the retirement savings…

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A Couple Restructuring Their Retirement for Tax Efficiency and Stability
Case Study

A Retirement Transformed Through Forward Tax Planning

Case Study: A Retirement Transformed Through Forward Tax Planning Meet John & Mary John and Mary are a couple in their late 50s. They had…

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A Retirement Transformed Through Forward Tax Planning

Retirement Should Never Feel Daunting

Learn what’s possible in retirement with our 3-step process

STEP 1

Complete our Retirement Confidence Self-Evaluation and discover your confidence score across the five critical areas of retirement using our ROUTETM method.

Take assessment now
STEP 2

Using the responses from your self-assessment, our scheduling team will schedule you to meet with the fiduciary financial advisor most knowledgeable about your situation.

STEP 3

Have a fiduciary advisor evaluate your current financial strategy and provide personalized guidance to help keep you aligned with your objectives.

See sample results

Stay In the Know

The best resources to make the right decisions

  • November 2023 Newsletter

    For a version with clickable links, please view the newsletter here: https://thrivefinancialservices.com/wp-content/uploads/2023/11/November-2023_Thrive-Times-1.pdf  

    Learn more: November 2023 Newsletter