Benefits worth reviewing.
- Stock and equity compensation, such as RSUs.
- Employer retirement plans.
- Pension and lump-sum options, if your employer offers them.
- Retiree health coverage.
- How your benefits coordinate with Social Security and the rest of your plan.
How we help.
Bring your benefits statements to a first meeting. We'll walk through your options, build them into a customized plan, and introduce you to a CPA or other specialist when a question calls for one.
This page is general information, not individualized advice. We aren't affiliated with any employer.
Questions about your income.
Last reviewed: October 2026
Have a question that isn't here? Start with a conversation.
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.
Should I consider a Roth conversion?
A Roth conversion moves money from a traditional IRA or similar pre-tax account into a Roth IRA. You pay income tax on the amount converted in the year you convert, and after that, qualified withdrawals can be tax-free. Whether it makes sense depends on your current and expected future tax brackets, how you will pay the tax, and your timeline.
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.
How much should I keep in an emergency fund?
A common guideline is three to six months of essential expenses for people who are working. Retirees often keep more, because there is no paycheck to rebuild the fund. The right amount depends on how stable your income is, your insurance deductibles, and how quickly you can reach other money.
Should I pay off my mortgage?
It depends on your mortgage rate, your other savings, and how you value having no monthly payment. Paying off a mortgage lowers your required monthly expenses, but it uses cash that could otherwise provide flexibility or earn a return, which is never guaranteed. A proper plan can compare both paths.
How do I create and maintain a financial plan?
A financial plan starts with your goals, then maps your income, spending, savings, investments, taxes, insurance, and estate documents against them. After it is built, review it at least once a year and after major life changes, because a plan only works when it reflects your current situation.
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.
