Retirement Planning Services in Schaumburg, IL
The Full Range of Services Designed to ProtectWhat You’ve Built
From income and investments to tax minimization, Social Security, and legacy planning, every part of your plan should work together—not in silos. We coordinate it all, so nothing slips through the cracks.
Retirement Income Planning
Turn savings into a steady, lasting income.
The shift from saving to living on your savings is one of the biggest financial transitions you’ll make. We design a coordinated plan that helps turn your assets into predictable income—so you know exactly which accounts to pull from, when to take required minimum distributions (RMDs), and how to adapt your plan as life changes. We account for inflation, coordinate with Social Security and pensions, and stress-test your plan under different market scenarios to help ensure you won’t run out of money.
Common Questions We Hear:
- “How can I be sure I won’t run out of money?”
- “Which accounts should I pull from first?”
- “How do RMDs affect my taxes and income plan?”
What This Means for You:
- A reliable income stream designed to keep pace with your life and spending needs.
- Clarity on withdrawal timing and order to help reduce lifetime taxes.
- A proactive plan for market downturns or large expenses so your lifestyle isn’t disrupted.
Social Security Timing
Align your benefits with your income, tax, and legacy plan.
When and how you file for Social Security can shape your retirement income for decades. The right strategy depends on far more than your age—it’s about how your benefits fit with your other income, how they affect your taxes, and how they protect your spouse or heirs. We help you evaluate every option so you can make a confident, informed decision.
Common Questions We Hear:
- “When should I file to get the most out of my benefits?”
- “How will my decision affect my spouse’s income if something happens to me?”
- “Will filing now push me into a higher tax bracket or Medicare premium tier?”
- “How do my other income sources factor into the timing?”
What This Means for You:
- Clarity on the filing strategy designed to help maximize your lifetime benefits.
- Confidence that your decision supports both your income needs and your family’sprotection.
- Integration of Social Security into your broader tax minimization and retirement income plan to help you keep more of what you receive.
Wealth Management & Investments
A disciplined approach to growing and protecting your wealth.
Your investments should do more than keep pace with the markets—they should serve a defined purpose within your broader financial plan. We help build and manage portfolios designed to fund your retirement income needs, manage risk, and minimize taxes. Every allocation is informed by research, aligned to your goals, and adjusted as your life and the markets evolve.
Common Questions We Hear:
- “Are we taking the right amount of risk for our stage of life?”
- “How should our investments support our income plan?”
- “Should we consolidate or restructure our accounts for greater efficiency?”
- “How do we ensure our portfolio remains aligned over time?”
What This Means for You:
- A clear, diversified investment strategy tailored to your goals and cash-flow needs.
- Portfolios structured to manage volatility while keeping long-term growth in play.
- Coordination between investments, income, and taxes for greater overall efficiency.
- Continuous oversight and disciplined adjustments to keep your plan aligned through changing markets.
Asset Allocation & Risk Controls
Designing portfolios to perform in all conditions.
Your allocation—the mix between stocks, bonds, and other assets—drives much of your portfolio’s return and volatility. We take a disciplined approach to setting and maintaining that mix, balancing growth potential with protection against major downturns. Through regular monitoring and precise rebalancing, we help ensure your portfolio remains aligned with your plan in both calm and turbulent markets.
Common Questions We Hear:
- “How often should we rebalance our portfolio?”
- “What triggers a change in our allocation?”
- “How do we protect gains without abandoning growth?”
What This Means for You:
- An allocation strategy built to match your time horizon, income needs, and risk tolerance.
- A disciplined rebalancing process to capture potential opportunities and control risk.
- A portfolio that adapts to changing markets while keeping your long-term plan intact.
Tax Minimization Strategies
Keeping more of your money working for you—year after year.
Taxes can be one of the largest ongoing expenses in retirement, especially as required minimum distributions (RMDs) and Social Security benefits come into play. We take a forward-looking approach, mapping out your withdrawals and account usage years in advance to help potentially reduce your lifetime tax burden. This includes identifying opportunities for Roth conversions, managing tax brackets, and coordinating with your CPA to keep your strategy on track.
Common Questions We Hear:
- “Will future RMDs push us into a higher tax bracket?”
- “Should we consider Roth conversions—and if so, how much each year?”
- “Are there ways to reduce taxes on our investments and retirement income?”
What This Means for You:
- A coordinated plan to help manage taxes now and in the future.
- Strategies to help minimize the impact of RMDs and other taxable income.
- Coordination with your tax professional to help ensure decisions are implemented smoothly and efficiently.
Legacy Planning
Protecting your wishes and simplifying the path for those you love.
A well-prepared legacy plan helps to ensure that what you’ve built is passed on smoothly, efficiently, and according to your wishes. We help you organize beneficiaries, coordinate with your attorney and CPA, and prepare clear instructions for your family. The goal: to reduce confusion, avoid unnecessary taxes, and give your loved ones clarity when they need it most.
Common Questions We Hear:
- “Are our beneficiary designations set up correctly?”
- “How can we make things easier for our children?”
- “What’s the best way to give to charity and still be tax-efficient?”
What This Means for You:
- Confidence that your assets will be transferred as you intend, with minimal delays or complications.
- A simplified process for your heirs, supported by clear documentation.
- Strategies for charitable giving that align with your values and tax minimization plan.
Insurance & Wealth Preservation
Using the right tools to protect your plan and preserve your wealth.
In retirement, the role of insurance often shifts—from income replacement to providing liquidity, covering estate costs, and protecting against risks that could erode your assets. We assess whether coverage still serves your goals, identify gaps, and recommend strategies only where they add measurable value.
Common Questions We Hear:
- “Do our current policies still make sense in retirement?”
- “What’s the best way to cover estate taxes without selling investments?”
- “How can we ensure each child inherits fairly?”
What This Means for You:
- Objective guidance on how your current policies are meeting your financial and retirement goals.
- Coverage tailored to specific needs, integrated with your tax* and estate* plan.
- A strategy that protects your lifestyle and preserves more of your wealth for the next generation.
Long-Term Care Planning
Protecting your retirement from life’s unexpected turns
The cost of extended care can disrupt even the strongest retirement plan if it isn’t addressed in advance. We help you understand the potential financial impact, explore your options for funding care, and integrate those choices into your broader strategy. The goal is to protect your lifestyle, preserve your assets, and relieve your family from making rushed decisions in a crisis.
Common Questions We Hear:
- “How much could care cost in our area?”
- “Should we buy insurance, use existing assets, or both?”
- “How do we prepare without over-insuring?”
What This Means for You:
- A realistic understanding of potential care costs and how they fit into your plan.
- A funding strategy tailored to your preferences, assets, and health outlook.
- Confidence that your retirement won’t be derailed—and that your family won’t be left scrambling.
Financial Strategies for Athletes
Turning athletic success into lasting financial stability.
Athletic careers bring unique opportunities and challenges—uneven income, complex tax situations, multi-state residency, and shorter earning windows. We help current and retired athletes translate their success on the field into a lifetime strategy off the field. From managing variable contracts and endorsement income to preparing for life after sport, we align every financial decision with your long-term goals.
Common Questions We Hear:
- “How can I make my income last beyond my playing career?”
- “How do I manage taxes when I’m earning in multiple states?”
- “What’s the best way to prepare for life after sports?”
What This Means for You:
- A customized plan built for the realities of an athlete’s career and lifestyle.
- Strategies to protect and grow your wealth while minimizing taxes.
- Confidence that your financial success will continue long after the final whistle.
Get Your Complete Retirement Picture—Above and Below the Surface
Some of the biggest risks in retirement aren’t always the ones you can see. Our Retirement Playbook helps uncover lesser-known factors so you can protect what you’ve built and enjoy the life you’ve worked toward with confidence.
