At Constant Guidance Financial, we specialize in navigating the complexities of retirement planning, empowering our clients to move confidently through each stage of their financial journey. We understand that retirement is more than a financial milestone—it’s a new chapter that should reflect your lifestyle and aspirations. Whether you’re building your retirement savings or managing income in retirement, we provide strategies designed to help you achieve long-term security and peace of mind.
Who We Serve
Our expertise lies in helping clients who are either actively building wealth for retirement or are already retired and looking for income stability.
Pre-Retirees: Building Wealth for the Future
Our pre-retiree clients are often in their 40s, 50s, or early 60s and are focused on maximizing their earnings and investments during peak earning years. These individuals recognize that a strategic approach to savings and investments can set them on the path toward a retirement that spans decades. We work with you to:
Optimize Savings and Contributions
We help identify the right retirement accounts—401(k)s, IRAs, Roth IRAs—and guide you on contribution limits, catch-up options, and tax-advantaged opportunities. For high earners, we explore strategies such as backdoor Roth contributions and investment in taxable accounts to ensure your retirement savings are both robust and diversified.Build a Resilient Investment Portfolio
Using a mix of equities, fixed income, and alternative assets, we craft a portfolio that balances growth with risk management, aligned with your retirement timeline and personal risk tolerance. Our approach combines active management with long-term growth strategies to help you build wealth over time.Strategize for Taxes and Roth Conversions
We implement tax-efficient strategies to minimize future tax burdens and increase your net retirement income. For clients interested in Roth conversions, we provide guidance on the timing and amount that will help maximize tax efficiency.
Retirees: Seeking Stability and Reliable Income
Our retiree clients are individuals who have reached their retirement goals and are now focused on securing income that lasts. They prioritize strategies that preserve their capital while allowing for steady income. We provide strategies tailored to retirees, including:
Income Planning and Withdrawal Strategies
We work closely with you to create an income plan that includes structured withdrawals, dividend income, and interest from bonds. We can also incorporate annuities, if they align with your goals, to provide a steady income stream that complements your retirement assets.Portfolio Adjustments for Capital Preservation
For retirees, maintaining wealth often means balancing growth potential with stability. We design portfolios that reduce exposure to high-risk assets while maintaining a reliable income flow. Our goal is to provide the security of regular income without unnecessary exposure to volatility.Tax-Smart Withdrawals and Social Security Optimization
Timing your withdrawals and Social Security benefits can significantly impact your retirement income. We advise on tax-efficient withdrawal sequences from taxable and tax-deferred accounts, as well as optimal timing for Social Security to help extend the life of your savings.
Why Constant Guidance Financial?
Our commitment is simple: to help you achieve a fulfilling retirement with confidence. As a fiduciary Registered Investment Advisor, we work solely in your best interest, offering transparent and objective advice. Our approach combines technical expertise with a deep understanding of the retirement journey, ensuring that every strategy we implement is aligned with your long-term goals.