Retirement Planning

Retirement planning isn’t one-size-fits-all—especially when your career includes access to unique financial tools and benefits. Our retirement planning services are tailored for individuals participating in pension systems and specialized tax-advantaged accounts like 403(b) and 457(b) plans. We help you build a retirement strategy that harmonizes your employer-sponsored benefits with your long-term financial goals.

Pension & Social Security Coordination

Navigating pension benefits can be complex, particularly when combined with Social Security eligibility. Our team offers deep expertise in consulting on defined benefit plans, helping you understand payout structures, survivor options, and how your years of service affect your income in retirement. We also help clients address challenges like the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), ensuring your Social Security strategy aligns with your pension income and maximizes your total retirement benefits.

Guidance on 403(b) and 457(b) Plans

For those with access to 403(b) and 457(b) plans, we provide detailed guidance on plan selection, investment allocation, and contribution strategies—including catch-up provisions. These accounts can be powerful tools for building retirement wealth, but they’re often underutilized or burdened with high fees. We help you optimize these plans for growth, flexibility, and long-term income security.

Broader Investment & Roth Strategies

Beyond workplace retirement plans, we design personalized investment portfolios that include Roth IRAs and taxable accounts to provide tax diversification and supplemental income. These strategies ensure you’re not overly reliant on a single income source in retirement and allow for greater adaptability as your financial needs evolve.

Wealth Management

Preparing for retirement—and navigating it successfully—requires more than just saving. It takes a coordinated, thoughtful strategy that ensures your assets support the lifestyle you’ve worked hard to build. We specialize in wealth management for individuals approaching retirement and those already enjoying it, helping you protect what you've earned and create reliable income for the years ahead.

Retirement Income Planning

As you transition from saving to spending, our team helps you make the most of your retirement accounts. Whether you hold assets in a 403(b), 457(b), Roth IRA, or traditional investment account, we’ll help you create a tax-smart income strategy that balances stability, flexibility, and longevity. We focus on minimizing tax drag, structuring withdrawals, and aligning your portfolio with your evolving needs and risk tolerance.

Pension & Social Security Optimization

Your pension and Social Security benefits are key components of your retirement income. We provide personalized consulting to help you evaluate your pension payout options and determine the optimal time to begin Social Security. If your benefits are affected by rules like the Windfall Elimination Provision (WEP) or Government Pension Offset (GPO), we’ll help you understand and plan around them to maximize your lifetime benefits.

Preserving and Growing Wealth in Retirement

Retirement doesn’t mean your wealth stops working for you. We help retirees manage their investment accounts to generate income while still supporting growth where appropriate. Through diversified, tax-efficient portfolios and careful withdrawal planning, we aim to preserve your wealth, support your lifestyle, and create a lasting legacy.

Employee Benefits

Managing employee benefits shouldn’t be overwhelming—or expensive. We help small businesses streamline HR and finance operations by delivering tailored benefits solutions that enhance efficiency, lower overall costs, and empower employees with the information they need to make confident choices. Our approach goes beyond basic administration to offer strategic support that strengthens your workforce and your bottom line.

Tailored Plans, Built for Your Team

Your business is unique, and your benefits should reflect that. We work with you to design flexible, competitive plans across a full range of coverage types, including:

  • Medical, Dental, and Vision
  • Disability (Short-Term & Long-Term)
  • Life and AD&D Insurance
  • Critical Illness, Cancer, and Accident Plans
  • Medical Bridge & Hospital Indemnity Coverage
  • Reimbursement Accounts (FSA, HRA, HSA)
  • And more

We prioritize plan designs that attract and retain top talent, while ensuring long-term affordability and administrative simplicity for your business.

Employee Education & Enrollment Support

We believe informed employees make better benefits decisions. That’s why we provide clear, accessible education throughout the enrollment process and year-round. Whether through one-on-one support or digital resources, we help your team understand their options, maximize their coverage, and prepare for the unexpected.

Full-Service Compliance & Administration

Staying compliant with changing regulations is non-negotiable—and it can be complex. We handle the administrative burden for you with services including:

  • ACA Reporting and Compliance
  • Full-Service COBRA Administration
  • Retiree Billing
  • FMLA Tracking
  • Section 125 Plan Administration
  • Beneficiary and Dependent Verification
  • Non-Discrimination Testing
  • Benchmarking and Plan Comparison

Our team keeps you protected, informed, and up-to-date—so you can focus on running your business with confidence.