Tax-Efficient Retirement Planning

Your retirement starts with a good GRIP.

GRIP Financial specializes in comprehensive retirement planning and investment management with a focus on minimizing taxes so you keep more of what you have. Don’t risk your wealth on insufficient retirement tax strategies, incomplete advice, or generic rules of thumb.

GRIP Financial specializes in comprehensive retirement planning and investment management with a focus in minimizing taxes so you keep more of what you have worked for. Don’t risk your wealth on insufficient retirement tax strategies, incomplete advice, or generic rules of thumb.

Your hard work and discipline have accomplished the first steps in how to plan for retirement. Don’t risk your wealth on insufficient retirement tax strategies, incomplete advice, or generic rules of thumb. Retirement planning is so much more than investment portfolio management.

In an industry full of generic pie charts and recommendations, we focus on tactical, tax-efficient retirement planning specific to your financial position and individual ambitions.
In an industry full of generic pie charts and recommendations, we focus on tactical, tax-efficient retirement planning specific to your financial position and individual ambitions.

GRIP Services

Your comprehensive retirement plan includes the pieces of the puzzle you need

to know when and how you can live your best retirement.

Tax Strategy

Connecting the Pieces of Your Comprehensive Plan to Maximize Your After-Tax income and Investments

Retirement Planning

Integrate every facet of your plan to maximize benefits and security.

Cash Flow Planning

Get a clear picture of where to draw cash from in retirement and how it changes over time.

Social Security Strategy

Understand the optimal time to take SSI as part of your cash flow plan.

Business Transition Planning

Turn the sale of your business into cash flow and investments for your retirement.

Investment Planning

Discern how much you need in safe vs. risk-tolerant investments.

Insurance Planning

Know when you need it and when you don’t.

Charitable Giving

Leverage tax benefits for charitable contributions

Tax Planning

Continually minimize taxes in every phase of retirement.

Estate Planning

Develop a plan that works for you and your legacy

THE GRIP STRATEGY

In an industry full of generic pie charts and recommendations, we focus on tactical, tax-efficient retirement planning specific to your financial position and individual ambitions.

G

It starts with you. Once we learn where you want to go, we develop your unique plan to take you there and keep you there.
Goals

It starts with you. Once we learn where you want to go, we develop your unique plan to take you there and keep you there.

R

We create a strategy for sufficient, dependable after-tax cash flow that covers how you want to live in retirement.
Reliable Cash Flow

We create a strategy for sufficient, dependable after-tax cash flow that covers how you want to live in retirement.

I

Investment strategy builds on your goals and cash flow plan, not generalizations or rules of thumb, to determine your best allocation strategy. Your goals and cash flow are not the same as everyone else’s, so your investments should not be either.
Investment Strategy

Investment strategy builds on your goals and cash flow plan, not generalizations or rules of thumb, to determine your best allocation strategy. Your goals and cash flow are not the same as everyone else’s, so your investments should not be either.

P

Tax planning may be the biggest difference-maker in asset management. We look ahead to minimize taxes in every facet of your plan, mitigate the risks you might face, and develop your inheritance and estate planning strategy.
Protecting Assets
Efficient tax planning is one of the biggest difference-makers in asset management. We look ahead to minimize taxes in every facet of your plan, mitigate the risks you might face, and develop your inheritance and estate planning strategy.

Frequently Asked Questions

Yes. Being a fiduciary is the highest standard in the industry. It means we choose the very best of all available options for your plan, not just the acceptable options.

Yes. We are not limited to the preferred options of an investment or insurance company motivated to sell their own products. We have the liberty to choose the best solutions for you.

  • We are “planning-first” advisors. A successful retirement plan consists of many pieces that all work together to make the most of the assets you have worked hard to accumulate.
  • We set a strategic plan in place by looking at your unique situation and big-picture goals, and we pull the pieces together by taking a deliberate and tactical approach to maximize the results.
  • We monitor the results and continue to meet with you so that when circumstances change, your plan adjusts accordingly. You get a planner, not just a plan.
  • Tax planning is often overlooked, but for many retirees, taxes are the biggest expense.
  • Strategically planning for taxes in every piece of the retirement puzzle is a key way to improve your after-tax cash flow.
  • Implementing tax strategies can make a material difference in passing savings on to your beneficiaries.
  • Those who are nearing or in retirement, typically between 55 and 68.
  • Those who have accumulated $1 to $8MM in retirement savings, including 401k, IRAs, brokerage accounts, cash value of pensions, mutual funds, old annuities, cash, proceeds from business sale, etc.
  • Medical practice and other business owners liquidating business and real estate assets.
  • Executives with stock-based and deferred-based compensation plans.
  • Medical professionals and high-income earners who need to convert accumulated assets into retirement cash flow.

Because we focus on where we can deliver the most value, clients with a minimum of $500k in assets will benefit most from our services.

First, we get to know you and create a comprehensive financial plan based on your goals and current financial picture. We build on our relationship by offering two annual strategy meetings and sending proactive, ongoing communication and updates.

The GRIP Process is simple and thorough. Learn more here.

Consultation and Discovery

Review the Plan

Implement Your GRIP Retirement Plan

Regular Strategy Meetings

We believe in transparent fees. GRIP is a fee-based firm, meaning that our fees are a percentage based on the amount of assets we manage. Generally, the more assets we manage, the lower the fee rate.

      • 1.65% and up – less than .5MM (exception only)
      • 1.45% – 0.5MM to 0.75MM
      • 1.35% – 0.75MM to 1MM
      • 1.25% – 1MM to 2MM
      • 1.00% – 2MM to 3MM
      • 0.90% – 3MM to 5MM
      • 0.80% – $5MM+

We do not just create a one-time plan. With fee-based planning, we can continually assess your needs and provide management and solutions accordingly. We work to keep the plan current and implement investment and tax strategies to deliver your best outcome.

We prioritize getting to know each client and focus our time and attention on developing your individualized, strategic retirement plan.

 

We currently do not offer tax prep services. Our focus on tax strategy looks ahead many years to maximize tax efficiency in every aspect of your plan.

We combine similar access to the scale and resources of industry leaders with the personal attention and detail of a boutique firm. We are not boxed in to limited investment options.

Learn more about The GRIP Advantage here.

We recommend these options only when they best fit your plan. We ensure you know the benefits and limitations so that we choose the right fit for your retirement goals.

We identify how much you will need to draw from your portfolio over time and make strategic investment choices, whether conservative or growth-oriented, based on your risk tolerance and plan.

Assess Your Risk Tolerance