Questions worth asking.
- How does my business fit into my retirement plan?
- How and where should I save for retirement as an owner?
- What does my personal income need to look like if I step back?
- What happens to my personal finances if the business changes hands?
- Which questions belong with my CPA or attorney?
How we help.
A full picture
We look at your business alongside your personal accounts, income, expenses, and goals.
Retirement saving as an owner
We talk through how and where you save, and we work alongside your CPA.
Questions about the future of your business
When you're thinking about stepping back or selling, we help you consider how those decisions fit your personal plan. Valuations, legal structure, and tax filings belong with qualified outside professionals, and we'll introduce you to them.
Questions worth asking.
Last reviewed: October 2026
Have a question that isn't here? Start with a conversation.
How much do I need to retire?
There is no single number that works for everyone. The amount you need depends on how much you plan to spend each year, how long retirement may last, what Social Security and any pension will provide, and how taxes and health care costs affect your income. A cash flow plan estimates it using assumptions you can review.
How do I roll over my 401(k) or other retirement plan?
The simplest method is usually a direct rollover, where your old plan sends the money straight to a new IRA or to your new employer's plan. You open the receiving account first, then ask your plan administrator to transfer the money. We will personally walk you through this process so you can be assured it is done correctly. A direct rollover avoids mandatory tax withholding and keeps the money tax-deferred.
How can I reduce my income taxes in retirement?
Retirees often focus on three things: which accounts they withdraw from, when they take income, and how they give. Common tools include Roth conversions, qualified charitable distributions, coordinating Social Security timing, and holding investments in the account types where they are taxed most favorably. The right mix depends on your situation, so involve your CPA.
Do I need life insurance?
You need life insurance if someone would face financial hardship if you died, such as a spouse who depends on your income, children, a business partner, or debts that would pass to others. Many retirees need less or none if their assets cover their family's needs, though some keep coverage for estate or legacy goals.
Do I need a trust?
Not everyone does. A will directs who receives your assets, while a trust can add control over timing, help manage assets if you become unable to, and may let some assets pass outside of probate. Whether you need one depends on your family, your assets, and your state, so it is a question for an estate planning attorney.
If I retire before 65, how do I cover health insurance until Medicare?
Common options include COBRA continuation coverage, a plan through the Health Insurance Marketplace, a spouse's employer plan, retiree coverage from your former employer, or part-time work that offers benefits. Each has different costs and rules, so compare total expected premiums and out-of-pocket costs before you leave your job.
This information is general and educational. It is not personalized investment, tax, or legal advice. Figures and rules shown reflect 2026 and can change. Investing involves risk, including the possible loss of principal.
