Your Complete Retirement Planning Solution
At Wealth Path, we provide comprehensive financial advisory services designed specifically for the unique needs of women and couples aged 50+. Our integrated approach ensures every aspect of your retirement is planned, protected, and optimized for your peace of mind.
Retirement Income Planning
Create reliable, sustainable income streams that last throughout your retirement years
- Social Security optimization strategies
- Pension maximization analysis
- 401(k) and IRA distribution planning
- Income floor construction with guaranteed sources
- Withdrawal rate optimization
- Sequence of returns risk management
Tax Efficiency Strategies
Minimize lifetime tax burden and maximize after-tax retirement income
- Roth conversion planning and timing
- Tax-location strategies
- Required minimum distribution planning
- Tax-efficient withdrawal sequencing
- Municipal bond strategies
- Charitable giving tax benefits
Investment Management
Age-appropriate investment strategies focused on income and capital preservation
- Risk-appropriate asset allocation
- Dividend and income-focused portfolios
- Inflation protection strategies
- Low-cost, tax-efficient investing
- Rebalancing and maintenance
- ESG and socially responsible options
Healthcare & Long-Term Care Planning
Protect your retirement savings from healthcare costs and ensure quality care
- Medicare supplement planning
- Long-term care insurance evaluation
- Health savings account maximization
- Healthcare cost budgeting
- Medicaid planning strategies
- Care coordination and advocacy
Legacy & Estate Planning
Ensure your wealth is transferred according to your wishes while minimizing taxes
- Will and trust optimization
- Beneficiary designation coordination
- Estate tax minimization
- Charitable giving strategies
- Powers of attorney and healthcare directives
- Family communication and succession planning
Risk Management & Insurance
Protect your financial plan from unexpected events and market volatility
- Life insurance needs analysis
- Disability insurance review
- Liability protection strategies
- Annuity evaluation and selection
- Asset protection planning
- Emergency fund optimization
Our Planning Process
Initial Discovery
We begin with a comprehensive understanding of your current financial situation, retirement goals, concerns, and values. This includes reviewing existing accounts, insurance, estate documents, and discussing your vision for retirement.
Financial Analysis
Our team conducts detailed analysis of your income needs, cash flow projections, tax situation, risk factors, and estate planning requirements. We identify gaps and opportunities in your current approach.
Strategy Development
Based on our analysis, we develop a comprehensive retirement plan that addresses income, taxes, investments, healthcare, and legacy goals. We present multiple scenarios and help you choose the best path forward.
Plan Implementation
We work with you to implement your retirement plan, coordinating with other professionals (attorneys, CPAs) as needed. We handle account transfers, insurance applications, and investment selections.
Ongoing Monitoring
Your plan is regularly reviewed and adjusted as needed. We monitor performance, tax law changes, life events, and market conditions to ensure your plan stays on track.
Special Focus Areas
Women's Retirement Planning
We understand the unique challenges women face in retirement planning:
- Longer life expectancy requiring extended income
- Career interruptions affecting Social Security and savings
- Higher likelihood of being widowed
- Greater caregiving responsibilities
- Lower lifetime earnings on average
Our strategies address these factors with specialized approaches to maximize retirement security.
Couples' Coordination
Couples have unique planning opportunities and challenges:
- Coordinating dual retirement timelines
- Optimizing spousal Social Security benefits
- Managing different risk tolerances
- Planning for survivor income needs
- Balancing individual and joint goals
We help couples create coordinated strategies that work for both partners.
Career Transition Planning
Many of our clients are navigating career changes before full retirement:
- Phased retirement strategies
- Consulting and part-time work planning
- Bridge insurance and benefits
- Career change funding
- Encore career preparation
We help structure transitions that maintain financial security while pursuing new goals.
What You Can Expect
Clarity and Confidence
A clear understanding of your financial situation and a concrete plan for achieving your retirement goals.
Comprehensive Strategy
An integrated plan that addresses income, taxes, investments, healthcare, and legacy planning in coordination.
Optimized Efficiency
Tax-efficient strategies and coordinated timing that maximize your retirement income and minimize costs.
Risk Protection
Safeguards against major risks including market volatility, inflation, longevity, and healthcare costs.
Personalized Approach
Strategies tailored to your specific situation, goals, values, and family circumstances.
Ongoing Support
Regular reviews, adjustments, and responsive support as your needs and circumstances evolve.
Our Investment Philosophy
Conservative Growth with Income Focus
For clients in or approaching retirement, we prioritize capital preservation and income generation while still maintaining growth potential to combat inflation. Our approach emphasizes:
- Risk-Appropriate Allocation: Portfolios designed for your age, goals, and risk tolerance
- Income Generation: Focus on dividends, interest, and distribution-producing assets
- Diversification: Broad diversification across asset classes, sectors, and geographies
- Tax Efficiency: Strategic use of tax-advantaged accounts and tax-efficient investments
- Cost Management: Low-cost investment options to maximize your returns
- Flexibility: Ability to adjust as markets and your needs change
Sample Conservative Portfolio
*Sample allocation for illustration. Actual recommendations vary by individual situation.
Ready to Secure Your Retirement?
Schedule a consultation to discuss how our comprehensive retirement planning services can help you achieve financial security and peace of mind.
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