Wealth Management
Pre-Retirees & Retirees
We partner with you to reach your retirement goals
Wealth Management for Pre-Retirees & Retirees
The hardest financial transition most people go through isn't saving for retirement. It's the switch from saving to spending, on a fixed pool of money. Financial Freedom Wealth Management Group specializes in the years right before and after that transition: guiding you on a path that is aligned with your retirement goals.
- Retirement income and withdrawal strategy — How much you can safely spend, in what order to draw from which accounts, and how to sequence withdrawals so a bad market year early in retirement doesn't deter the plan.
- Pension and PERS decisions — For Oregon PERS members and other pension holders: annuity versus lump sum, survivor benefit elections, and timing choices that are permanent once made. These decisions get one shot. We make sure you take it with the full picture.
- Roth conversion analysis — Converting in lower-income years before Social Security and RMDs kick in can meaningfully cut your lifetime tax bill. We model this year by year rather than as a one-time recommendation.
- Tax preparation — Retirement income (Social Security, pensions, RMDs, capital gains) all get taxed differently. Coordinating the plan and the tax filing under one roof catches issues that are sometimes missed.