Retirement Income Planning
The dynamic integration of your goals, your portfolio, and your benefits: We carefully evaluate potential options for you to generate income in the most tax efficient mode possible while helping you define what spending from your portfolio in retirement could mean.
Whether you are the retiree who has a specific target for how much they would like to generate in retirement, or if you need guidance on understanding what your portfolio can potentially generate when you do retire, we specialize in discussing the retirement phases of your portfolio to keep your wealth planning intentional.
We partner to empower you with the education and advisement demanded to offer a truly cohesive integration of your savings, investments, and benefits to assist you with aligning your portfolio with your goals.
We can also engage with your existing network of professionals or refer you to our network of friendly professionals—such as accounting, legal, and real estate experts—to support all facets of your retirement income plan.
Investment Management
Over time, the industry has continued to evolve and mature, and many options across investment managers are widely available. FPR Financial creates personalized investment strategies tailored to each specific client situation, to their income needs, time horizons, and goals for their portfolio.
Investment Process
- Determine an appropriate risk profile and asset allocation to target in the portfolio.
- Review open investment universe that allows our client to gain appropriate exposure to the asset classes in their portfolio.
- Utilize multiple tools to facilitate our reallocation/rebalance decision-making process to facilitate strategic adjustments to align portfolio asset classes to targeted portfolio mix.
- Continuously monitor portfolio progress and evaluate ongoing opportunities for continuous improvement in tax efficiency, researched investment options, and overall portfolio performance.
Custom Portfolio Management
Your portfolio is allowed to be as personalized to you as your retirement requires with the compliment of professional oversight and advisement.
Tax Efficiency
FPR Financial will attempt to transfer assets in-kind to prevent unnecessary selling of assets during transfers which can trigger unnecessary taxes.
We continuously utilize capital loss harvesting to reduce your ongoing taxes generated from your portfolio activities and growth.
Personalized Company/Sector Exposure
We offer the ability to remove investment sectors, or positions that you prefer not to own within your portfolio; this is beneficial for clients with concentrated employer stock positions, or personal preferences that they would like considered.
Tax & Estate Strategies for Retirement
Tax Efficient Retirement Planning
Paying more taxes doesn't make you more patriotic...
In retirement, it's critical to maintain a strategy that allows you to manage and minimize the unnecessary taxes that you pay as your portfolio, pension, or other income sources generate hidden tax costs such as additional Medicare premiums.
We work with clients to evaluate strategies to keep more of their money including tax efficient contribution & distribution guidance, dynamic withdrawal considerations, tax efficient investing, and guidance for point-in-time buy/sell decisions that can generate unnecessary tax consequences.
Estate Strategies for Retirement
We have clients that have goals to grow their nest egg to provide as a legacy to their children, grandchildren, friends or charitable organizations.
We also work with clients who are more focused on maximizing their lifestyle, living independently as they age, and maintaining their own dignity in retirement.
Wills, Power of Attorney, Healthcare Directives, Trusts, Charitable Accounts, etc.
Accountants, Attorneys, and Other Professionals
For the clients we serve, we are the partner where clients can direct all financial questions.
We engage with your existing network of professionals or refer you to our network of friendly professionals—such as accounting, legal, and real estate experts—to support all facets of your retirement.
FPR Financial does not provide legal or tax advice. Consult your tax or legal professional regarding your specific situation.
Begin Your Retirement Journey
Take the next step by scheduling a complimentary 30-minute conversation with Brandon Whitmore, CFP®, ChFC®