The decisions that shape your retirement, including income strategy, Social Security timing, taxes, and legacy, all affect each other. I help you plan them together, in plain language, so you understand what you own and why.
Book a consultationRetirement is not one decision. It is dozens: when to claim Social Security, which account to draw from first, how much to keep in the market, and what to pass on. Each one affects the others, yet most people make them in isolation. My practice is built around connecting those decisions into a single plan I call PILLAR, short for Personalized Intergenerational Legacy Long-term Asset Roadmap. When the pieces of your retirement work together, you can see how each choice affects the rest and understand what you own and why.
I’ve done this work for nearly three decades. My approach was shaped early in life by watching how much financial uncertainty costs a family, and by the clarity that comes from having a plan you can actually read.
The six areas below are the ones most clients bring to the first conversation. Each is a piece of the same plan.
I help you build a retirement income strategy around your financial needs and the lifestyle you want. Together, we look at your monthly income needs, decide which accounts to draw from and in what order, and revisit the strategy as your spending and circumstances change.
I help you evaluate withdrawal strategies, Roth conversions, and required minimum distributions with their potential tax implications in mind. I also coordinate with your CPA on tax-related planning decisions, since Farther does not provide tax advice.
I help you build a diversified investment strategy aligned with your financial goals, income needs, and risk tolerance. My approach emphasizes disciplined, long-term investing rather than market timing. I review your strategy periodically and consider adjustments as your circumstances and priorities evolve. Diversification does not guarantee a profit or protect against losses. All investing involves risk, including the potential loss of principal.
I help you decide when to claim Social Security and work through your Medicare options, including the tradeoffs of each. For couples, I also look at how to coordinate spousal benefits and how claiming decisions may affect your taxes and other sources of retirement income.
I help you plan how your wealth may pass to the people and causes that matter most to you. That includes reviewing beneficiary designations and account titling and coordinating with your estate planning attorney, who prepares your legal documents.
The Farther app brings your financial information into one place, so you can view and organize it and see the full picture of your finances. Where supported, you can also share relevant information with your CPA or estate planning attorney to help coordinate financial, tax, and estate planning decisions.
Our planning process follows five steps designed to keep you informed and involved along the way. At each stage, we review our progress, discuss next steps, and refine your financial roadmap to reflect your goals and priorities.
We begin with a complimentary conversation to learn about your priorities, financial goals, and what prompted you to reach out.
Bring your questions, even the ones that feel basic. By the end, you will have a sense of how I work and whether we are a good fit for each other.
Book a consultationNext, we take a deeper look at your financial life: your income, savings, accounts, concerns, and what you want retirement to look like day to day.
This is where the pieces start to connect. Seeing everything side by side often surfaces questions about taxes, timing, or family that were easy to overlook.
See how it worksUsing the PILLAR framework, I develop a personalized strategy that connects your income plan, investments, tax planning considerations, Social Security timing, and legacy goals.
I walk you through each recommendation in plain terms, including the reasoning and the tradeoffs, so you understand what we are doing before anything changes.
Explore PILLAROnce you approve the strategy, I help put your plan into action, coordinating the next steps, including account updates and collaboration with your CPA or estate planning attorney.
You are not left managing a to-do list on your own. I keep track of the steps and let you know when your input is needed and why it matters.
Start the processWe meet regularly to review your progress and update your strategy as your life, priorities, and circumstances change, whether that is a health event or a new grandchild.
Retirement can last decades, and a plan written once tends to drift. Regular reviews keep your income, investments, and legacy planning pointed where you want them.
Talk with IraThese are the questions people ask most often when they first reach out. If yours is not here, bring it to our first conversation and we will talk it through.
Individuals and couples approaching or living in retirement who want personalized advice, a clear financial roadmap, and an ongoing advisory relationship. Many people I work with want a dedicated advisor they can reach directly and who explains things in plain terms.
The PILLAR framework brings your income, investments, taxes, Social Security, and legacy into one plan, not five separate conversations with five separate professionals. You see how each decision affects the others before anything is final.
I evaluate your retirement income needs, savings, investments, Social Security options, and other financial considerations to help you understand how prepared you are for retirement.
Your initial consultation is complimentary and without obligation. It is a chance to discuss what matters to you, ask questions, and decide whether we are a good fit before taking any next step.
Yes. I coordinate with your tax and legal professionals so your financial strategies stay aligned. Your CPA and attorney continue to provide tax and legal advice, and I make sure the financial plan supports their work.
You reach Ira directly, with Farther’s investment, planning, and service teams supporting the work.
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Have questions about your financial future? Share a little about your situation and I'll reach out to set up a complimentary consultation.
