Who I serve
Pre-retirees: the runway matters more than you think.
The five years before you stop working are the highest-leverage years of your financial life.
Schedule a meetingWhat usually matters most
Stress-test your retirement plan against recession scenarios and longevity.
Build a tax-aware withdrawal sequence before you need it.
Evaluate Roth conversion windows in your remaining working years.
Decide when to claim Social Security based on your actual earnings record.
Get clear on Medicare, long-term care, and the years between retirement and 65.
How I help
Services that fit this stage
Retirement Planning
Income strategies, withdrawal planning, and tax-efficient retirement distributions.
Learn more →Tax Planning Coordination
Coordination with tax professionals on tax-aware investment and withdrawal strategies.
Learn more →Investment Management / Portfolio Management
Ongoing portfolio oversight aligned with your risk tolerance and time horizon.
Learn more →Estate Planning Coordination
Collaboration with attorneys on trust design, beneficiary reviews, and legacy strategies.
Learn more →Comprehensive Financial Planning
Full-spectrum financial planning for wealth accumulation, preservation, and transfer.
Learn more →Common questions
- I’m 5 years from retiring. Is it too late to plan?
- It’s actually the best possible time. You have enough runway for Roth conversions, Social Security optimization, and withdrawal sequencing to make a real difference — but the window closes fast once you stop working.
- What does working with you actually look like?
- Most clients meet with me twice a year plus a quick check-in mid-year if something changes — a new job, a new baby, a windfall. Between meetings we’re reachable by email or phone.
- How are you compensated?
- I’ll walk through every fee and commission during our first meeting so you have a clear picture before you decide to engage.