Financial Planning for Pre-Retirees

The five years before and after retirement matter more than almost any other. True Riches FP helps families approaching retirement turn decades of saving into a clear, faith-aligned plan for what's next — with a flat fee, fiduciary advisor who always acts in your best interest.

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Financial Planning Designed to Proactively Prepare for Retirement

You've spent decades earning, saving, and building wealth. But the stakes are bigger in retirement and come with a different set of questions. When can we actually stop working? How do we turn this nest egg into a reliable paycheck? When should we claim Social Security? How do we minimize our taxes in retirement? How will we remain purposeful throughout retirement? That's why you need a financial advisor who specializes in walking families through this exact transition.

Retirement Income, Reimagined

We help you turn your nest egg into a retirement paycheck that is reliable, flexible, tax-friendly, and sustainable for the long haul. That means coordinating withdrawals across different accounts, building a custom-to-you investment portfolio, modeling Social Security claiming strategies, and stress-testing the plan against markets, taxes, and longevity — so you can answer "are we ready?" with confidence instead of guesswork.

Taxes, Seamlessly Integrated

The first few years of retirement can be the most powerful tax-planning window of your life. We help you evaluate Roth conversions, Social Security timing, bridging the gap to Medicare enrollment, and managing sequence of returns risk — so you can enjoy the fruit of your wealth today knowing your future is still secure.

A Comprehensive Financial Plan Built Around Your Transition to and Through Retirement

From your last few working years through your retirement, we create a comprehensive financial plan designed for this exact season. Withdrawal strategy, Social Security, Roth conversions, Medicare and IRMAA, estate planning, generosity, taxes, and purposeful living all reside under one framework. Our personalized investment strategy, proactive tax planning, and integrated biblical approach are tailored to the realities of retiring well, so you can step into the next chapter focused on what (and who) matters most, not on whether the numbers will hold up.

Ready to Step Into Retirement With Clarity and Confidence?

You've stewarded a career's worth of work and saving. Now let's make sure the next chapter is stewarded just as well. Schedule a free consultation with True Riches FP today — flat fee, no commissions, always in your best interest.

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The True Riches Process

True Riches gets you to your goals through a simple, effective, and proven four-step ongoing process. Here's what you can expect when you become a client:

Clarity

Full Picture View

 Optimize with unified dashboards, consolidated accounts, and streamlined tracking.

Gain Clarity
Planning

Clear Direction

Identify stewardship priorities, collaborate on joint goals and values, and set the compass.

Make a Plan
Decision Making

Ongoing Guidance

Proactively adjust through life's twists and turns — job changes, home relocations, kids growing up. We'll be here every step of the way.

Make Better Decisions
Enjoying

Use Your Wealth for Good

Personal finance is about aligning what you've been given with your convictions. We'll put your money to work toward what's most important.

Enjoy My Wealth
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Christian Financial Planning to Invest, Give, and Live

Reach out for a complimentary "good fit" consultation.

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FAQs

Do people approaching retirement really need a financial advisor, and how do I find the right one?

The years immediately before and after retirement involve some of the most consequential financial decisions of an entire lifetime, and many of them are difficult or impossible to undo. Decisions about when to retire, how to strategically withdraw from different account types, when to claim Social Security, whether to do Roth conversions, and how to coordinate with Medicare all interact with each other in ways that benefit from careful, integrated planning. When searching for an advisor, look for a fiduciary — someone who is legally and ethically obligated to act in your best interest at all times. It's also important to find someone with demonstrated experience guiding families through the actual retirement transition, since the planning around this season is fundamentally different from the accumulation-focused advice that works during earlier career stages. Comprehensive planning services may involve ongoing fees, so be sure to fully understand how any advisor is compensated before engaging their services. This is for educational purposes only and does not constitute personalized financial advice. Please consult a qualified financial professional regarding your specific situation.

What tax strategies are commonly used in retirement?

The years right around retirement are often the most powerful tax-planning window of an entire lifetime, since income is typically dropping (or about to drop) and required minimum distributions (RMDs) have not yet started. Strategies worth exploring with a qualified tax or financial professional may include Roth conversions during lower-income years to shift assets from tax-deferred accounts to tax-free accounts, harvesting long-term capital gains at the 0 percent federal tax bracket where applicable, coordinating charitable giving with high-income years to bunch tax deductions, considering Qualified Charitable Distributions (QCDs) from IRAs once eligible at age 70 and a half, and tax-friendly management of your investments through thoughtful rebalancing decisions and strategic asset location (which involves putting the right types of investments into the right account types to minimize taxes) while still thinking big-picture about the broader financial goals you have. It's also important to be aware of IRMAA, the income-based surcharge on Medicare premiums, since income spikes in this window can trigger higher Medicare costs two years later. Tax strategies vary based on individual circumstances, and decisions made in this window can have drastic ripple effects for the rest of your retirement. This is not tax advice. Please consult a CPA or tax advisor.

When should I claim Social Security, and how does timing affect my retirement income?

Social Security claiming is one of the most consequential decisions of retirement, and the right answer depends on factors including your health, marital status, other retirement income sources, expected longevity, and the structure of your overall financial plan. Benefits can be claimed as early as age 62 and as late as age 70, with different benefit amounts at each age in-between. For married couples, claiming strategies become more complex because of survivor benefits, since the higher earner's benefit typically becomes the surviving spouse's benefit in the event of the higher earning passes away first. Delaying the higher earner's claim often results in a larger lifetime benefit for the couple, particularly if at least one spouse is expected to live into their mid-80s or beyond. Social Security decisions involve complex tradeoffs and should be modeled in the context of your full financial plan. This is for educational purposes only and is not personalized financial or Social Security advice.

How do I turn my retirement savings into a sustainable paycheck?

Building a sustainable retirement paycheck typically involves more than choosing investments that solely pay "income" such as annuities or dividend-stocks. A custom "total return" approach, which draws on all three sources of investment returns (dividends, interest, and capital appreciation), tends to be more reliable, flexible, tax-friendly, and sustainable than relying only on income-producing investments. Retirement spending is also rarely a straight line. Research on actual retiree spending shows higher expenses in the early "go-go" years, lower spending in the middle phase, and a rise again later in retirement for healthcare and long-term care needs, which makes the well-known "4 percent rule" a useful starting point but a poor fit for many households. A more durable framework also addresses sequence-of-returns risk through bucketing (what's known as asset-liability matching: a stability portion of the portfolio funds near-term withdrawals at lower risk, while a growth portion with a longer time horizon works to beat inflation and sustain the plan for decades). Capital appreciation can also be taxed more favorably than ordinary income, which adds further flexibility in how withdrawals are coordinated across pre-tax, Roth, and taxable accounts (not to mention other sources of income such as pensions, Social Security, or rental income). Tax-efficient withdrawal sequencing, ongoing investment management, and stress-testing the plan against down markets and longer-than-expected lifespans are all important components of a durable retirement income plan. Retirement income planning involves complex tax, investment, and longevity considerations. This is for educational purposes only and is not personalized financial advice. Please consult a qualified financial professional regarding your specific situation.

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