Retirement isn't one decision.
It's dozens of decisions, spread across decades and every corner of your financial life, and they don't stop when you stop working.
Income
When to start Social Security
How to turn savings into a paycheck
How much you can safely spend each year
Timing
When to actually retire
Whether to phase out gradually or stop all at once
What the first year actually looks like
Investments
How much risk still makes sense
When to rebalance
What to do with an old 401(k)
Taxes
When to do a Roth conversion
How to manage required withdrawals
What to do about a windfall or inheritance
Insurance
Whether you still need life insurance
How to plan for long-term care
Whether your coverage actually matches your life now
Estate
Who's named on your accounts
What your will actually says
How to leave less to taxes and more to your family
Started by one generation.
Carried forward by the next.
Garret learned this business from his father, Kale, who spent decades helping families plan with honesty instead of hype. Now Garret and Nicolas carry that same approach forward, with the plain talk and follow-through your family deserves.
When should I start working with a financial advisor?
Who do you typically work with?
What makes you different from other advisors?
What if our situation changes?
