Getting close to retirement should feel exciting.
But for many, it can feel like a deadline they’re not sure if they’re ready for.
I don’t know where to start.
When do I take Social Security?
Will I be able to enjoy retirement?
I think I have enough, but I’m not sure.
Those feelings are more common than you’d think, and more solvable than they feel.
Let’s build a plan that makes retirement feel like the reward it should be.
How We’re Here to Support You
Retirement Income Planning
Turning your 401(k), investments, Social Security and other assets into a reliable, tax-efficient income stream that lasts as long as you need it to.
How We Help
- Income gap analysis
- Withdrawal sequencing
- Social Security Optimization
- RMD planning
- Portfolio income alignment
- Inflation protection
- Spouse and survivor planning
- Paycheck replacement strategy
Converting savings into reliable lifetime income is one of the most important financial decisions you’ll ever make. We start building your income plan years before you need it, so when retirement comes, you’re not guessing.
Tax Planning & Strategy
Developing a coordinated tax strategy around your income, investments and withdrawals before you retire, so you keep more of what you’ve spent a lifetime building.
How We Help
- Roth conversion planning
- Bracket management and income timing
- Tax-efficient withdrawal sequencing
- Capital gains planning
- RMD tax impact planning
- Social Security taxation strategy
- Tax-loss harvesting
- Multi-year tax projection and forecasting
Most people don’t realize how much taxes can quietly erode retirement income until it’s already happening. We make sure you’re not one of them.
Insurance & Risk Management
Ensuring the right protections are in place across your financial plan so one unexpected event doesn’t undo years of careful planning before or during retirement.
How We Help
- Life insurance review and restructuring
- Long-term disability coverage
- Annuity evaluation and planning
- Liability and umbrella coverage review
- Policy consolidation and cost analysis
- Coverage gap identification
- Beneficiary and ownership structure review
Most people carry insurance they’ve never revisited since they first bought it, and by the time retirement arrives, their coverage often doesn’t reflect their actual life or needs anymore. We review what you have, identify what’s missing and make sure every protection in place is working as hard as the rest of your plan.
Investment & Portfolio Restructuring
Building a portfolio where every piece has a purpose, is positioned for where you're headed, and is working as hard as it should be for your specific situation.
How We Help
- Portfolio risk assessment and rebalancing
- Asset allocation restructuring
- Over-concentration analysis
- Diversification strategy
- Income-focused portfolio design
- Alternative investment options
- Sequence of returns risk management
- Ongoing portfolio monitoring and adjusting
What worked while you were accumulating doesn’t always work when you’re drawing down. We make sure your portfolio is restructured for the phase of life you’re actually in.
Estate Planning
Coordinating your estate plan alongside your legal advisor to make sure your wealth reaches the people and causes you care about, exactly the way you intend.
How We Help
- Beneficiary designation review and updates
- Asset titling and ownership structure
- Trust planning coordination
- Will and document review coordination
- Wealth transfer strategy
- Charitable giving and legacy planning
- Power of attorney and healthcare directive coordination
- Multi-generational planning
Most people have an estate plan sitting in a drawer somewhere that hasn't been looked at in years. We make sure what's on paper actually reflects your life, your family and your wishes.
Long-Term Care Planning
Protecting your retirement savings from one of the most overlooked and expensive costs in retirement: the need for long-term care.
How We Help
- Long-term care (LTC) needs assessment
- LTC insurance evaluation and placement
- Hybrid life/LTC policy strategies
- Self-funding and asset-based strategies
- Care cost projection and planning
- Medicaid planning coordination
- Family care conversation facilitation
- Integration of care costs into your retirement income plan
The earlier you plan for long-term care, the more options you have and the more affordable they tend to be. We help you get ahead of it while the full range of solutions is still on the table.
Centaurus Financial, Inc. and its representatives do not provide legal or tax advice. Please consult your own legal or tax professional regarding your specific situation.
