Retirement Planning That Adapts to Your Life
Personalized lasting income and peace of mind
Defining What Retirement Means to You
Everyone’s version of retirement looks different — whether it’s maintaining your lifestyle, supporting family, giving back, or simply having freedom in how you spend your time. Estate & Trust Advisors helps you define those priorities, then builds a plan that balances growth, income, and protection.
Our process integrates investments, taxes, and estate considerations so your retirement plan works in harmony with your long-term goals.
Our Retirement Planning Services
Asset Accumulation
During your peak earning years, we help you grow wealth efficiently through coordinated investment management and tax-aware savings strategies.
Income Distribution
As you approach retirement, we design income schedules that balance security and flexibility — incorporating Social Security, pensions, IRAs, and taxable accounts.
Asset Protection
We review long-term care needs, insurance strategies, and risk management so your plan can withstand life’s uncertainties.
Wealth Transfer
Estate and charitable planning strategies help you pass assets to heirs or causes you care about in the most tax-efficient way possible.
How much do I need to retire comfortably?
That depends on your lifestyle, expenses, and goals. We model income and spending scenarios to help you understand what’s sustainable and how different choices affect your long-term plan.
When should I start Social Security?
Timing can impact lifetime benefits significantly. We analyze your options and help coordinate withdrawals to support your income goals while managing taxes.
Can you help me minimize taxes in retirement?
Yes. We structure accounts and withdrawal strategies to reduce your tax burden across different income sources, coordinating with your CPA as needed.
How can I make sure my spouse or heirs are taken care of?
We incorporate estate and legacy planning into your overall retirement strategy, ensuring your assets transfer efficiently and according to your wishes.
