Our Services

Risk-Aware Strategy

Find the risks before they find you.

What's Included

What risk-aware strategy covers.

Sequencing risk, longevity risk, inflation and concentration mapped before they matter. The goal isn't to predict markets — it's to make sure one bad year doesn't reshape the next thirty.

Andrew Hamill working through a plan with a client

Sequence-of-returns planning

A bad market early in retirement does more damage than one later. We plan your first years of withdrawals with that in mind.

Longevity and inflation modeling

We test the plan against a long life and rising prices, not just average assumptions.

Concentrated-position strategy

If a large share of your savings sits in one stock or fund, we map out ways to reduce the exposure with taxes in view.

Downside scenarios, explained plainly

We show you what a rough stretch could look like for your plan, in plain numbers, before it happens.

How We Work

A calm, four-step path to a plan.

01

Listen

A no-cost conversation about where you are, what you're worried about, and what a good retirement looks like to you.

02

Plan

We model your income, taxes and risk, then walk you through a plan you can actually understand and adjust.

03

Implement

Accounts open at Charles Schwab in your name; we build and fund the portfolio around your plan.

04

Steward

Ongoing management, rebalancing and check-ins — proactive when markets or your life change.

Let's talk about your retirement.

A first conversation is free, unhurried, and comes with no obligation. Bring your questions.