Retirement Planning in Victor, NY
Helping individuals age 50+ reduce taxes, protect wealth, and create reliable retirement income.
I work with pre-retirees and retirees in Victor and the greater Rochester area who want clarity around taxes, investments, and retirement income decisions. My planning process focuses on coordinating tax strategy, portfolio risk, and income timing so clients can retire with confidence.
Who This Retirement Planning Is For
✔ Individuals and couples age 50+ nearing retirement
✔ Retirees seeking more tax-efficient income strategies
✔ University of Rochester professionals planning their next chapter
✔ People with significant savings who want clarity, not guesswork
I do not offer one-size-fits-all advice. Every plan is personalized to each client’s goals, tax situation, and timeline.
How I Help Clients Plan for Retirement
How do you help reduce taxes in retirement?
I help clients reduce taxes by coordinating Roth conversions, Social Security timing, and withdrawal strategies across taxable, tax-deferred, and Roth accounts. The goal is to minimize lifetime tax exposure rather than focusing only on short-term tax savings.
How do you help clients create reliable retirement income?
Retirement income planning focuses on turning savings into sustainable cash flow. This includes analyzing spending needs, portfolio risk, income sources, and tax impact to create a plan clients can rely on through different market environments.
How much investment risk should someone take near retirement?
Investment risk should reflect time horizon, income needs, and tolerance for volatility. Near retirement, I help clients balance growth with protection so market downturns do not derail income plans or force poor decisions.
Serving Victor, NY and the Rochester Area.
I work with clients in Victor, Rochester, and the surrounding communities. Meeting can be held in-person or virtually, depending on preference.
Common Retirement Planning Questions
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Social Security timing depends on health, income needs, and tax considerations. A coordinated strategy can significantly impact lifetime benefits.
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Roth conversions can be effective during lower-income years, but timing and tax impact matter. Planning helps avoid unintended consequences.
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Yes. A well-structured plan includes guardrails that help clients stay on track during market fluctuations.
Next Step
If you’re approaching retirement and want clarity around taxes, income, and investment decisions, a conversation can help determine whether planning together makes sense.