Financial Planning for Pre-Retirees
The value of a personal CFO for the Financial Planning Process
As you approach retirement, the decisions you make in the next five to ten years will determine your lifestyle for decades to come. Coordinating investments, taxes, healthcare, and estate planning is complex—especially in a high-tax state like New Jersey.
That’s where a Personal CFO steps in, acting as your financial quarterback, aligning every part of your financial life to:
- Maintain income in retirement.
- Manage taxes over time.
Protect your family’s wealth and legacy.
Benefits for Pre-Retirees
Custom Portfolios and Strategies
“Bucket” Investment approach designed with a goal to manage cash flow, maximize growth potential, and manage risk.
Retirement Income Clarity
Know exactly how much you can spend without running out of income.
Tax-Smart Withdrawals
Balance traditional, Roth, and taxable accounts to smooth out future tax bills to lower the risk of large Required Minimum Distributions (RMDs) and higher medicare premiums.
Healthcare and Medicare Planning
Anticipate rising medical costs and coordinate timing of coverage.
Property and Casualty Insurance Review
Conduct a holistic review of all personal and business property and casualty policies to identify gaps in protection and potential overlaps to reduce premium costs where duplicate or excessive coverage exists.
Estate and Legacy Protection
Keep more wealth in the family, not in probate or taxes by having wills, trusts and updated estate documents and beneficiaries
