What We Do

Your retirement starts with a good GRIP.


Your GRIP Financial advisor addresses the following questions and considerations to bring you clarity regarding When, How, How Much, and “Am I Ready to Retire?”

Tax Strategy

Why do we talk so much about Tax Strategy?

Tax strategy is the overarching connection of your comprehensive plan that maximizes your after-tax income and investments.

Retirement Planning
Thoroughly reviewing and bringing all the moving pieces together to help you live your best retirement and leave your best legacy.
  • We craft your individual plan to maximize tax efficiency, so you hold on to more of what you have.
  • We offer the solutions that best fit your needs because we do not represent any product or entity but you.
  • We address your questions to clear away any confusion and bring you confidence in your path.

Topics We Cover:

  • Strategic, Integrated, Cohesive Plan
  • Integration – Pulling All the Pieces Together
  • Maximizing Tax Efficiency
  • Combining Long-term Strategic View with Short-Term Tactical Adjustment

Questions We Address:

When can I retire?

Do I have enough money to retire?

Will I have to spend less in retirement?

How can I reach my retirement goals?

Cash Flow Planning

Cash flow planning takes a detailed look at all current and future income streams, so you can get a clearer picture of where to draw cash from in retirement and how it changes over time.

Topics We Cover:

  • Income and Employment Changes
  • Executive Compensation
  • Social Security
  • Pensions
  • Business or Real Estate Income
  • RMDs
  • Existing Annuities
  • Distributions
  • Tax Bracket Planning

Questions We Address:

Where will my income come from in retirement?

Will I need to work part-time?

How do I leverage my executive compensation plan for my retirement?

Should I take my pension or a lump sum?

How will Inflation affect my plan?

Social Security Strategy
Understand the optimal time to take SSI as part of your cash flow and spousal plan.
Topics We Cover and Questions We Address Include:
  • When to Start
  • Spouse Planning
  • Survivor Planning
  • Reducing SSI Taxes
  • Medicare and IRMAA

Questions We Address:

Should I start when I retire or wait?

Will I lose my benefits?

Will my benefits be reduced?

How can I reduce taxes on SS?

Should I start my benefits at the same time as my spouse?

Business Transition Planning

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

Topics We Cover:

  • Buyouts
  • Family Transitions
  • External Transitions
  • Taxes on Sale
  • Cash Flow from Proceeds of Sale
  • Reinvestment Strategy

Questions We Address:

Are there tax efficient ways to structure the sale of my business?

How will the proceeds be taxed?

How can the proceeds of the sale be used to produce income in retirement?

Investment Planning
Determine how much you need in safe vs. risk-tolerant investments.

Topics We Cover:

  • Investment Management
  • Safe vs. Risky
  • Strategic Allocation
  • Tax Efficiency
  • 401k
  • IRA
  • Roth IRA
  • Brokerage and other Non-Qualified (NQ) Accounts
  • Company Stock and Special Tax Treatment
  • Taking Income from Investments
  • Inheritance/Windfall Allocation

Questions We Address:

How much risk should I have in my portfolio?

How much of my portfolio should be safe from market downturn?

Can I afford to be more conservative?

Is my allocation tax-efficient?

What types of investments are best in my Roth vs. my Traditional IRA for tax efficiency?

Do I need more growth or more income in my portfolio?

Should I leave my 401k in the employer plan or roll it into an IRA?

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

Topics We Cover:

  • Determine the Necessity of Life or Long-Term Care Insurance
  • Determine the Potential Cost of Health Care
  • Retiring Before Medicare Eligibility
  • Spouse Planning

Questions We Address:

Should I delay retirement until I can get Medicare?

Do I need health insurance before Medicare kicks in?

Do I still need life insurance?

How should I address the potential need for long-term care?

Will my spouse be taken care of if something happens to me?

Charitable Giving
Maximize tax benefits for charitable contributions.

Topics We Cover:

  • Maximizing the Benefits
  • Qualified Charitable Distributions (QCD)
  • Gifting Appreciated Assets
  • Donor Advised Funds
  • Bunching contributions
  • Tax Advantageous Timing and Methods
  • Role in Estate Planning

Questions We Address:

How can I create a giving plan for causes that are important to me?

How can I get a tax benefit for charitable contributions?

What are the best options for leaving assets to charity as part of my estate plan?

Tax Planning

Continually minimize taxes in every phase of retirement to maximize after-tax cash flow.

Topics We Cover:

  • Minimizing Capital Gains Tax
  • Non-qualified vs. IRA Income
  • Roth Conversions
  • The Role of Taxes in Each Phase of Retirement
  • Lowering Long-Term Tax Bracket
  • Reducing Capital Gains
  • Continually Maximize Tax Efficiency in the Plan

Questions We Address:

Do I have to pay taxes on an inheritance I received?

Should I consider Roth conversions?

Which account should I use for income in retirement to reduce taxes?

How will SS income impact my taxes?

Which assets should I pay taxes on now, and which should I continue to defer?

Estate Planning
Develop a plan that works for you and your legacy.

Topics We Cover:

  • Avoiding Probate
  • Implementing Trusts
  • Wills and Trusts in Investment Strategy
  • Reduce Tax Burden for Beneficiaries
  • Spouse Planning
  • A Plan that Works for Your Legacy

Questions We Address:

How can I avoid probate?

What is the best way to gift to my beneficiaries?

How do I reduce taxes for my beneficiaries?

Do I need a trust?

What is the best way to leave a charitable contribution?

The GRIP Process

Consultation and

The purpose of your discovery call is two-fold: to provide as much value to you as possible in our first meeting and to determine if we can continue to provide long-term value.

We walk through any information needed to have a content-rich consultation. We begin by evaluating your current retirement plan and recommending improvements. We then send a follow-up email recapping the key observations we discussed and a copy of our advisory agreement for your review.

Review the

Second appointments are limited to those for whom we believe we can provide material, ongoing benefit. We will demonstrate our value by reviewing a draft of the unique financial plan we create for you.

Implement Your GRIP
Retirement Plan

With your plan in place, we go step by step to finalize allocation, choose appropriate investments, and get you on the path to your optimal retirement.

Regular Strategy

We are proactive in communication, investment management and monitoring, and scheduling ongoing reviews. We offer two targeted annual meetings. The first will be tactical and focused on cash flow, tax review, and investment allocation. The second will focus on long-term strategy validation and updates. The goal is to maintain the best plan that accounts for changes in your life circumstances and the world around you.

The GRIP Advantage
What is The GRIP Financial Advantage?

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 by limited investment options.


Demystify your transition into retirement. When can I retire? How much money do I need to retire? Where does my income come from in retirement? When should I draw social security, pensions, deferred-compensation plans, or other benefits?

We aim to develop a clear path and solve for your unique challenges so you can see how and when each piece fits into your retirement puzzle.

Your questions have real solutions.

Tax Efficiency

We specialize in tax-efficient planning because it can be a significant difference-maker and may impact your entire plan for better or worse.


Life is not stagnant; your plan should not be either. Our goal is to build a long-term relationship and take any changes in your life or goals into account.


We accept a limited number of new clients so we can focus on you. We provide the personalization of a boutique firm with industry-leading resources.