Are you 10 years away or less until retirement?​

                                       

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At In The Money Retirement Planning, I work with business owners & Pre-Retirees who are transitioning from the demands of business ownership or late-career demands into a retirement funded by years of sacrifice. I help you build a plan and execute it. ​

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Retirement Planning in the "Distribution Phase" Is Different

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When your income no longer comes from your business or employer, the stakes are higher. Your wealth needs to support you for decades, fund your goals, and protect your lifestyle through market changes, taxes, and unexpected expenses.

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Our retirement planning process focuses on:

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• Defining Your New Vision – Clarifying your lifestyle goals, family priorities, philanthropic intentions, and legacy wishes.

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• Projecting Your Resources – Building realistic income and expense forecasts using your sale proceeds, investments, and other sources like Social Security.

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• Creating a Sustainable Investment Strategy – Balancing income generation, growth, and capital preservation for your new stage of life.

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• Managing Taxes – Minimizing taxes over your lifetime.

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• Structuring Withdrawals – Sequencing distributions from taxable, tax-deferred, and tax-free accounts to maximize after-tax income.

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• Planning for Healthcare & Long-Term Care – Addressing the financial impact of rising medical costs before they threaten your wealth.

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Why Business Owners & Pre-Retirees Choose Us

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• Fiduciary Commitment – We are legally obligated to act in your best interest—no commissions, no hidden agendas.

• Specialized Experience – Experience helping business owners manage large liquidity events and transition into retirement.

• Personalized Strategies – Every plan is built around your unique goals, risk profile, and lifestyle—not a generic template.

• Local Insight, Regional Reach – Based in South Eastern CT, we understand the local economic and tax landscape while serving clients across the region.

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Key Considerations in Retirement Planning

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1. Determining Your Retirement Income Needs
I calculate what it will take to fund both your essential expenses and your ideal lifestyle, factoring in inflation and unexpected costs.

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2. Social Security & Pension Optimization
Even if investments are your main income source, I ensure you claim Social Security at the optimal time and coordinate any pension benefits.

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3. Investment Strategy for Retirement
I design a portfolio that prioritizes consistent income, capital preservation, and growth to support your retirement for decades.

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4. Tax-Efficient Withdrawal Planning
I develop a withdrawal strategy to minimize taxes and stretch your wealth further, using smart sequencing across account types.

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5. Healthcare & Long-Term Care Planning
I plan ahead for medical expenses, Medicare decisions, and potential long-term care costs to protect your assets.

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6. Integrating Retirement & Estate Goals
I ensure your retirement plan aligns with your estate strategy, coordinating with your attorney to protect and transfer wealth efficiently.

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Our 3-Step Retirement Planning Process

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Step 1: Discovery & Vision Setting
I start with a complimentary call to discuss your post-sale goals, lifestyle vision, and concerns about retirement.

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Step 2: Analysis & Strategy Development
I gather detailed financial information, run income and risk projections, stress-test scenarios, and create a personalized plan covering investments, taxes, and income strategy.

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Step 3: Implementation & Ongoing Guidance
I put your plan into action, coordinate with your tax and legal advisors, and provide ongoing monitoring and adjustments to keep you on track as life changes.

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Step Into Retirement With Confidence

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Selling your business or "Pulling-the-Plug" on your Career is a major milestone. Now, the right retirement plan will ensure the wealth you’ve built supports your freedom, security, and legacy for decades to come.

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📞 Schedule your confidential consultation today to see how our retirement planning can help you turn your life’s work into lasting financial independence.

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