We use Monte Carlo probability analysis to stress-test your plan against thousands of market scenarios, including crashes, inflation spikes, and extended bear markets. You'll get a reasonable estimate of your "Sleep-at-Night Number" – an amount that may help ensure you don't outlive your money, with greater confidence rather than guesswork.

We operate under the fiduciary standard and are legally bound to act in your best interest. We're fee-based (typically 1% of assets under management) with complete transparency – no commissions, no product pushing, no hidden costs. When we recommend a strategy, it's because the math proves it benefits you, not us.

Unlike big-box firms that give cookie-cutter model portfolios, we create completely customized plans based on YOUR lifestyle, goals, and family situation. You work directly with Louis, Michael, or Vincent – not some call center. Personal attention, boutique service, backed by institutional safety through LPL Financial.

Our Retire with Clarity™ System has three phases: First, we do a complete Financial X-Ray of your situation. Then we build your Income Fortress with multiple layers of guaranteed income. Finally, we create your Protection Protocol so your spouse is never left vulnerable. Ongoing monitoring and adjustments keep your plan optimized as life changes.

We've helped 250+ clients with similar situations – executives, business owners, and professionals ages 55-70 with $500K-$3M in assets. Our track record speaks for itself: no client following our system has ever run out of money in retirement. We can share relevant case studies during your consultation while respecting client confidentiality.

Tax optimization is a cornerstone of our system. We use strategic Roth conversion ladders, optimize Social Security claiming timing (potentially increasing benefits 32%+), coordinate withdrawal sequencing across multiple account types, and manage IRMAA surcharges. Most clients save $50,000+ in unnecessary taxes over retirement.

Your assets are held with LPL Financial, one of the nation's largest independent broker-dealers with strict regulatory oversight. Your money is never held by us directly – it's custodied by a major institution with SIPC protection. You maintain complete ownership; we simply provide advisory services.

Our fee is typically 1% of assets under management annually – fully transparent with no hidden costs. Most clients save multiples of our fee through tax optimization, avoiding costly mistakes, and proper portfolio management. We show you exactly what you pay and the value you receive during your consultation.

We conduct quarterly reviews and annual strategy sessions, plus proactive outreach during market volatility or when opportunities arise. When you call, you speak directly with one of our principals – not an assistant or call center. Most calls and emails are returned the same day. You're never wondering if your plan is still on track.

Your plan is specifically designed to survive worst-case scenarios. We stress-test against 2008-style crashes and build income floors that minimize the effect of market volatility. While other retirees panic and sell at the bottom, you'll remain calm knowing your income continues regardless of market conditions. That's the power of proper planning.