Financial Planning for Retirees: Keep Living, We’ll Handle the Rest

Retirement doesn’t mean your financial planning ends—it just means it changes. Our financial planning for retirees is designed to help you navigate this next chapter with confidence, clarity, and a plan built around your life.


Whether you're living in Middleton, relaxing near Pickwick Lake, or enjoying retirement across state lines, we’re here to help your money keep working as hard as you did.



We’ve spent over 30 years working with retirees in Tennessee and beyond, helping them manage income, protect their legacy, and stay financially secure no matter what the market—or life—brings next.

Two black oak leaves.

What Retirees Worry About—and How We Help

Even after you’ve stopped working, the questions don’t stop:

  • Will my savings last?

  • How do I manage Required Minimum Distributions (RMDs)?

  • What if healthcare expenses rise?

  • How do I stay ahead of inflation on a fixed income?

  • Is my estate in order?

These are the concerns we work through every day. Our team provides retiree financial advice that’s practical, personal, and centered on keeping your retirement stress-free.

Turning Retirement Savings into Reliable Income

You’ve spent decades saving—now it’s time to make your money last.

We can help you build a steady, sustainable income strategy from your retirement assets.


This could include:

  • Planning withdrawals from IRAs, 401(k)s, or TSP accounts
  • Coordinating with Social Security and pension income
  • Building income from dividend-producing investments
  • Minimizing taxes with smart withdrawal timing


For many clients, this is the biggest financial transition of their lives. We make it easier.

Ongoing Portfolio Oversight You Can Count On

The market doesn’t retire when you do. That’s why we continue to manage your investment strategy—making adjustments as needed to reflect your goals, health, and income needs.


We hold quarterly reviews to help you stay informed and on track. From rebalancing for market shifts to harvesting gains and monitoring risk, we make sure your portfolio keeps working with your retirement, not against it.

Tax Planning That Helps You Keep More

Taxes don’t go away in retirement. In fact, they can become more complicated.
 We help clients reduce their tax burden with strategies like:

  • Roth conversions in low-income years

  • Tax-efficient withdrawal planning

  • Managing capital gains and losses

  • Planning for Social Security taxation and Medicare premiums

Explore more on our Tax Planning page for detailed strategies built around retirement.

Leaving a Legacy on Your Terms

We coordinate with your estate attorney to align your financial plan with your legacy goals. Whether you want to pass on wealth to your children, support a cause you care about, or simply ensure your spouse is taken care of, we’ll help set the financial side in motion.


This includes reviewing beneficiary designations, life insurance needs, and discussing long-term care options. Learn more about Insurance Planning and how we support this part of your plan.

Frequently Asked Questions from Retirees

  • Do I still need a financial advisor in retirement?

    Yes—especially now. Retirement brings complex decisions around income, taxes, healthcare, and estate planning. Ongoing support can help you stay ahead of those shifts.


  • What return do I need to make my money last?

    That depends on your spending, life expectancy, and portfolio structure. We’ll help calculate your “retirement number” and build a plan that’s designed to meet or exceed it.

  • How often will we meet?

    We meet with clients quarterly or more often if needed. Our review process is built to give you regular, meaningful updates—not just an annual check-in.

  • What if I move to another state?

    We serve clients in Tennessee, Oregon, Idaho, and across the country. Whether you’re traveling or relocating, our service follows you.








Helpful Resources & Services

Together, these pages show you how we build full-service financial plans for retirees like you—ones that protect what matters and make room for what’s next.

A small blue icon in the top left corner of a white background.

Not Sure If You’re on the Right Track? Let’s Talk.

If you’re already retired—or recently transitioned—we’re here to help you stay confident in your financial future.
 Schedule a Retiree Financial Checkup today and see how we can help you make the most of your retirement.