Financial Advisory optimized for retirees and pre-retirees

With years of experience helping retirees and pre-retirees, we have developed a deep understanding of how retirement planning should be approached and managed, including:

Organizing your finances so you can clearly understand your current situation.

Building your personal financial plan to provide a framework for quantifying financial decisions and answering some of the important questions you may have:

How long do I need to keep working?
When can I retire?
Do I have enough?
How should I allocate my investments now and in retirement?
What steps should I take to prepare for retirement?
How do I create income in retirement?

Aligning your investments with your plan to support your goals.

Creating income in retirement.

Tax planning to coordinate and optimize tax-sensitive items: portfolio withdrawals, coordinating your income sources, impact on Medicare premiums, tax bracket management, capital gains, Roth conversions, Charitable giving, and estimated taxes.

Healthcare Options

Legacy and Estate Planning

Services available to all clients

Octo Capital - objective fiduciary financial advice

A personal financial plan provides a comprehensive framework for quantifying financial decisions and addressing your key questions. It is designed to anticipate critical considerations, including retirement preparation, retirement income, tax efficiency, healthcare options, and estate planning.

Investment philosophy - Octo Capital's low-cost, tax-smart, diversified investment philosophy rooted in peer-reviewed economic science and academic financial research.

Tax planning - We review your tax returns on an ongoing basis, looking to optimize and coordinate tax-sensitive items - portfolio withdrawals, impact on Medicare premiums, tax bracket management, capital gains, Roth conversions, Charitable giving, estimated taxes - and the potential to reduce your tax liability now and in the future.

Fee schedule - cost-effective for larger portfolios. We offer simple, transparent flat-fee advisory services based on the complexity of your financial situation and the services we provide, rather than your assets. Our flat retainer fees range from $4,000 to $12,000 per year per client relationship.

Concierge-level service- serving an intentionally small, select group of clients and maintaining a high service standard - allows us to allocate more time to our clients' matters and promptly respond to all inquiries.

Review meetings and check-ins as needed - We do not restrict client interactions and are always available to clients by phone, email, web conference, or in-person meeting.

Learn More

Please feel free to schedule an introductory consultation to discuss how we might work together.

Schedule an introductory consultation