​Investment Management
​
For many Southeastern CT business owners, nearing retirement, selling your company is more than a transaction—it’s a turning point.
For many pre-retirees who saved their whole careers, accumulating wealth. You’ve converted years, often decades, of hard work into liquid wealth.
Now the challenge is protecting and growing that wealth so it can sustain your lifestyle, fund your next ventures, and support the legacy you want to leave.
​
At In The Money Retirement Planning, I specialize in helping business owners & pre-retirees navigate this pivotal shift. Our disciplined, evidence-based investment management process is designed to translate the value of your business into a resilient, tax-efficient portfolio aligned with your long-term goals. As fiduciaries, we put your interests first—always.​
​​​
Why Investment Strategy Changes Near Retirement
-
Moving from Accumulation Phase to Distribution Phase requires Different Skills
-
Saving each month and Dollar Cost Averaging no longer works
-
"Unlce Sam" is waiting for you to start distributing assets
-
Inflation becomes a major hurdle to overcome
​
Life after a business sale presents unique financial considerations:
-
Moving from business income to portfolio-generated income
-
Managing potentially concentrated wealth from the sale
-
Navigating complex tax consequences of a liquidity event
-
Planning for a long retirement without the safety net of business ownership
A generic investment approach won’t address these needs. You need a strategy tailored to your goals, risk tolerance, tax profile, and new financial reality.
​
My Fiduciary, Evidence-Based Approach
​
I believe the right investment strategy for you should be:
​
-
Objective – No commissions, no sales incentives, just advice in your best interest.
-
Research-Driven – Portfolios grounded in academic evidence, not market fads or speculation.
-
Personalized – Built around your unique cash flow needs, values, and long-term vision.
-
Tax-Efficient – Designed to maximize your after-tax returns, especially after a large liquidity event.
-
Integrated – Coordinated with your retirement, estate, and tax planning for a unified financial strategy.
​
Key Elements of Our Investment Management
​
1. Personalized Portfolio Design
I create a portfolio built for your post-sale life, balancing growth, preservation, and income needs. This starts with a thoughtful asset allocation across global markets based on your goals, time horizon, and risk tolerance.
​
2. Strategic Diversification
I spread investments across asset classes, industries, and regions to reduce risk without sacrificing long-term return potential.
​
3. Comprehensive Risk Management
I assess both your risk tolerance (emotional comfort with market swings) and risk capacity (financial ability to weather downturns) in your new situation—often very different from your pre-sale profile.
​
4. Tax-Aware Investing
I integrate strategies like asset location, tax-loss harvesting, and coordinated withdrawal planning to keep more of your returns in your pocket.
​
5. Continuous Oversight & Rebalancing
I monitor performance against your plan, rebalancing when needed to maintain your target allocation and manage risk.
​
6. Transparent Reporting
I provide clear, regular updates so you always know how your investments are performing relative to your objectives.
​
Our Investment Management Process
​
Step 1: Discovery & Goal Alignment
I learn your financial objectives, cash flow needs, tax situation, and vision for the next phase of your life.
​
Step 2: Investment Policy Statement (IPS)
I create a written roadmap detailing your investment objectives, asset allocation targets, risk parameters, and performance benchmarks.
​
Step 3: Portfolio Implementation
I construct your portfolio, transfer assets from the sale or your Employer Plan, and structure holdings for tax efficiency.
​
Step 4: Ongoing Management & Review
I actively monitor, rebalance, and adjust your portfolio as markets shift and your needs evolve.
​
From Accumulator to Distributor—With Confidence
​
Selling your business is a major milestone. Retiring from your Career is as well. The right investment strategy ensures the proceeds you’ve worked so hard to earn will support your next chapter—whatever that looks like.
​
If you’re a business owner or Pre-Retiree ready to protect, grow, and manage your wealth with a dedicated fiduciary partner, we’re here to help.
​
📞 Schedule a confidential consultation to explore how our strategic, evidence-based investment approach can help you secure your future.
​
