Financial Planning for Pre-Retirees and Retirees
Turn a career's worth of saving into a lifetime of confidence.
The transition from a steady paycheck to living off your own savings is one of the biggest financial shifts you’ll make. It comes with real uncertainty: market swings, healthcare costs, tax decisions, and the simple question of whether your money will last.
Capstone Wealth Partners is a fee-only fiduciary firm helping pre-retirees and retirees build a plan for that transition and stay on track through it.
Common questions pre-retirees and retirees bring to us
When can we actually afford to retire?
How do we turn savings into reliable monthly income?
When should we claim Social Security?
How do Medicare decisions fit into our overall plan?
How do we manage taxes once we’re drawing from our accounts?
What happens to our plan if the market drops right after we retire?
How we help pre-retirees and retirees plan with confidence
A retirement income strategy built for you
We help you map out how your income will work in retirement, from which accounts to draw from first to how to structure withdrawals so your savings are positioned to last. The goal is a plan for turning your savings into dependable income, not just a target number.
Social Security and Medicare, coordinated with your plan
Claiming Social Security too early or too late, or making the wrong Medicare elections, can have a lasting impact on your retirement. We help you weigh these decisions as part of your broader financial picture.
Tax-aware planning through retirement
The way you draw down your accounts, convert assets, and manage required distributions affects what you keep. We build tax strategy into your retirement plan from the start and revisit it as tax rules and your circumstances change.
Investment management aligned to your stage of life
As you move from accumulating wealth to living off it, your investment approach needs to evolve too. Our investment management is grounded in an institutional-style approach, informed by the Investment Policy and Planning Committees at Focus Partners, and tailored to the income and risk needs of your stage of retirement.
Lifetime income and legacy planning
Beyond the numbers, we help you think through what matters most: leaving something for your family, supporting causes you care about, and making sure your estate plan reflects your wishes, coordinated with your attorney and accountant as needed.
The Capstone Way
Retirement is a season of life that keeps evolving. We design a plan around your goals and values, build your income and investment strategy to support it, and protect it with ongoing check-ins so your plan adjusts as markets, tax laws, and your own life change.
Pricing
Planning for pre-retirees and retirees starts at $250 per month, based on the complexity of your situation. We may waive fees at certain managed investment portfolio levels.
Frequently Asked Questions
1. How do I know if I'm actually ready to retire?
We look at your full financial picture, including income needs, healthcare costs, Social Security timing, and how your investments are positioned, to give you a realistic answer and a plan to close any gaps.
2. When is the best time to start planning for retirement?
Planning 5 to 10 years before you retire gives us time to fine-tune your income strategy, tax planning, and investment approach. We also work with clients who are already retired and want a second opinion or ongoing guidance.
3. Can you help us decide when to take Social Security?
Yes. Social Security timing is one of the most consequential retirement decisions, and we help you evaluate your options in the context of your full plan, not as a standalone choice.
4. Do you manage our investments too, or just create a plan?
Both, if that’s what you want. Our financial planning and investment management are designed to work together, but you’re never required to move your assets to us to work with our planning team.
5. What if we're already retired and just want a check on our current plan?
We’ll review where things stand today, including income, investments, tax exposure, and estate coordination, and let you know where your plan is solid and where it could use adjustment.
Ready to plan your transition into retirement?
Schedule a free, no-obligation call to talk through your goals and see if our approach is the right fit for this next chapter.