Who We Work With

Retiring with Confidence

For many, retirement is a long-anticipated milestone—a time to finally pursue passions, travel, and spend more time with family. After successful careers and years of diligent saving, the question shifts from “How do I grow my wealth?” to “Do I have enough to last a lifetime?”

This was exactly the concern for John and Mary. Their children were grown, and they were eager to embark on their next chapter, filled with travel, philanthropy, and hobbies they had postponed for years. They had built substantial savings in their retirement accounts and family trust, yet they still weren’t sure: Would their money last?

The Most Common Retirement Concern

While every retiree’s situation is unique, the fear of running out of money is nearly universal. In fact, a study by Allianz found that more than six in ten Americans fear running out of money more than death itself. If you’re retired or approaching retirement, you may share similar concerns:

• Will my savings be enough to sustain my lifestyle?
  
• How should my funds be invested to balance growth and security?
  
• How much risk can I afford to take?
  
• When should I start taking Social Security, and what strategy maximizes my benefits?
  
• How do I efficiently withdraw from my retirement accounts while minimizing taxes?
  
• What’s a reasonable fee structure for financial management?
  
• How do I ensure my money is passed on according to my wishes?

Retirement today is different than it was for previous generations. Thanks to increased life expectancy, many retirees will spend decades in retirement. The financial strategies that worked while you were earning a paycheck need to evolve as you transition into this new phase of life.

You’ll Retire Once—We’ve Guided Hundreds Through It

Navigating the financial complexities of retirement is not something you have to do alone. We have helped hundreds of individuals and families confidently transition into retirement, ensuring their wealth supports the life they envision. We’ve been there for our clients when important decisions needed to be made, offering clarity and strategic guidance along the way.

Let’s Talk About Your Retirement Plan

If you’re wondering what it means to work with a professional who can help you navigate these challenges with confidence, we’d love to start a conversation. Contact us today to learn how we can help you make the most of your retirement.

Navigating the Transition to Retirement

For many high earners, the shift from a steady paycheck to living off savings can feel overwhelming. One of the biggest concerns is whether they can maintain their lifestyle without running out of money. Questions like these often arise:

• Can I afford to keep spending at the same rate and still feel confident my money will last?
  
• How do I plan for unexpected expenses or long-term care?
  
• Should I start taking Social Security now or wait for a higher benefit?
  
• How do I turn my retirement savings into a reliable income stream?
  
• What’s the most tax-efficient way to withdraw from my retirement accounts?

With decades of experience in financial services, our advisors help answer these questions, guiding you through both the planning and execution phases of retirement.

Beyond the Numbers: A Holistic Approach

Retirement isn’t just about finances—it’s about your lifestyle, goals, and peace of mind. As you approach your highest-earning years, we help you determine:

• When is the right time to transition to retirement?
  
• How should your funds be invested to balance growth and security?
  
• How much risk can you afford to take?
  
• What strategies can minimize taxation on your retirement income?
  
• What’s the best way to ensure your money goes to your chosen beneficiaries?
  

A Changing Landscape

The questions surrounding retirement are ever-evolving, influenced by economic conditions, tax laws, and personal circumstances. That’s why we take a proactive, full-service approach—helping you prepare for the future while adapting to changes along the way.

Whether you’re planning for travel, philanthropy, new hobbies, or simply financial peace of mind, we’re here to provide clarity and confidence in your next chapter.

This material is hypothetical in nature and not intended for use as investment advice. It does not guarantee the attainment of your retirement goals. Individual results will vary.


Ready to plan your transition into retirement? Contact us to get started.

When Julie, a California Licensed Professional Private Fiduciary, sought investment oversight for her client, she knew that careful due diligence was essential. As trustee, she needed to ensure the portfolio aligned with both her client’s needs and the Uniform Prudent Investor Act (UPIA) while also protecting herself from liability.

She had critical questions:

• Was the portfolio invested appropriately for the client’s risk tolerance and objectives?
  
• Were tax implications, time horizon, and diversification being properly considered?
  
• Could she produce documentation supporting investment decisions?
  
• Were fees reasonable and transparent?
  
• Was the brokerage firm reputable?

Seeking a Second Opinion

Recognizing that investment management required specialized expertise, Julie turned to us for our Second Opinion Service. She provided recent account statements (with Personally Identifiable Information removed), and we conducted a thorough analysis.

We quickly identified a key issue: though the portfolio was labeled “Growth with Income” for a moderate investor, the account actually reflected an “Aggressive Growth” stance—carrying far more risk than was suitable. We walked Julie through our findings in clear, straightforward terms, ensuring she fully understood our concerns.

Providing Clarity, Transparency, and Value

Julie had additional questions:

• Would we provide a written investment proposal outlining selected investments and the reasoning behind them?
  
• Could we offer greater transparency and oversight than the current arrangement?
  
• How would our fees compare?
  

We assured her that our investment strategy would be fully documented, meeting her fiduciary responsibility for oversight and accountability. Additionally, she was surprised to find that our fee structure was actually more favorable than her client’s current arrangement.

A Trusted Partnership Moving Forward

Julie ultimately chose to transfer the account to Bourke Wealth Management, and we have worked closely with her ever since. By providing a clear investment strategy, ongoing oversight, and a commitment to prudent investing, we help fiduciaries like Julie fulfill their responsibilities with confidence.

This material is hypothetical in nature and not intended for use as investment advice. It does not guarantee the attainment of your retirement goals. Individual results will vary.


If you’re a private fiduciary seeking an experienced wealth management partner, contact us today to learn how we can support you and your clients.

Navigating Life’s Transitions

Women face unique financial challenges throughout their lives, from career changes and family planning to retirement and legacy building. Whether managing wealth independently, navigating a major life transition, or simply seeking greater financial clarity, having a trusted advisor can make all the difference.

When Monica came to us, she was feeling overwhelmed. She had received conflicting financial advice from friends and family, leaving her unsure of where to turn. She wanted to feel confident in her financial future but wasn’t sure where to start.

Her first question was one we hear often:

“How much can I afford to spend?”

Like many women, she wanted to ensure her financial security while balancing responsibilities like supporting loved ones, maintaining her lifestyle, and planning for the future.

Beyond the Basics: Creating a Strategy for Long-Term Security

As we discussed her situation, additional concerns surfaced:

• How do I ensure my children’s education, healthcare, and housing needs are secure?
  
• What’s the best way to manage my investments while minimizing risk?
  
• Should I keep or sell real estate, including the family home?
  
• Do I need life insurance or other financial protections?
  
• How can I continue supporting the nonprofits and causes I care about?
  

Helping Women Make Confident Financial Decisions

As CERTIFIED FINANCIAL PLANNER™ professionals, we help women gain clarity, structure their wealth for long-term security, and make informed decisions about investments, cash flow, estate planning, and financial independence. Whether you’re preparing for retirement, managing inherited wealth, or adjusting to a new financial reality, we provide expert guidance tailored to your unique needs.

When Monica left our office, we believe she felt more confident and in control—a shift from the uncertainty she had been facing. Addressing her initial concerns gave her a clear path forward.

Take Control of Your Financial Future

If you’re seeking financial clarity, security, and confidence, we’re here to help. Our approach is tailored to your personal goals, helping to ensure that your wealth supports the life you envision.

Our first hour is always at no charge, giving you the opportunity to determine if we are the right fit to guide you. Contact us today to schedule a conversation.

 Alan and Sue came to us shortly after retiring.

Having done an excellent job saving, investing, and utilizing tax-deferred accounts, they had significant assets. However, like many retirees, they were unsure how much they could safely spend without risking their long-term financial security.

Their first question was: “How much can we afford to spend?”

By analyzing their unique situation, we presented several tailored scenarios to give Alan and Sue clarity and confidence about their spending limits. These insights helped them feel secure about their financial future.

Next, they asked: “Where should we take income from first?”

Alan and Sue had multiple account types, including IRAs, 401(k)s, 403(b)s, and trust accounts. To ensure tax efficiency, we conducted a detailed review of their accounts. We provided a withdrawal strategy that minimized tax liabilities while supporting their lifestyle needs.

With income planning in place, they had another critical question: “When should we start taking Social Security?”

We evaluated several Social Security claiming strategies to help them choose the one best suited to their goals. This decision was crucial in maximizing their retirement income.

Ongoing Support for Peace of Mind

These were just a few of the retirement decisions we guided Alan and Sue through. Since then, we’ve continued to monitor and manage their portfolio through regular reviews, ensuring their plan stays on track. We have even helped them decide whether or not they should pay off their house, and whether Roth conversions were the right fit.

Today, Alan and Sue enjoy a secure retirement. As they’ve shared with us over the years, they sleep better at night knowing we’re on their team.

This material is hypothetical in nature and not intended for use as investment advice. It does not guarantee the attainment of your retirement goals. Individual results will vary.

If you have similar questions, contact us today to get started on your personalized financial plan.