Retirement Planning
What is Retirement Planning?
Retirement planning isn’t just about having enough money—it’s about creating a strategy that helps you maintain your lifestyle, avoid costly surprises, and make confident decisions as things change.
At Fortress Capital Advisors, retirement planning is a collaborative process. We help you define what retirement looks like for you, build a strategy that supports it, and stay involved to make sure your plan remains aligned with your goals. We don’t hand you a binder and wish you luck—we stick with you as life unfolds.
1. Define Your Goals & Aspirations
We begin by getting to know what retirement means to you—your vision, your lifestyle goals, and what a fulfilling retirement looks like in real life. This stage includes:
- When you want to retire (or whether partial retirement makes sense)
- How much you expect to spend—and how that may change over time
- What experiences you hope to prioritize: travel, time with family, personal projects, or giving back
- Whether relocating, downsizing, or buying a second home is part of the plan
- Whether you’ll need to bridge the healthcare gap before Medicare begins—and how to do it affordably
- Your legacy goals, charitable intent, and estate concerns
- What worries you about retirement and where you'd like more clarity
2. Build the Plan
Once we understand what you're trying to achieve, we construct a plan to support it. This includes:
- Forecasting your income needs across different retirement phases
- Analyze and optimize the timing of Social Security, pensions, and other income sources
- Designing a withdrawal strategy that minimizes taxes and supports long-term sustainability
- Identifying tax savings strategies both before and during retirement
- Aligning your investment approach with your timeline and income goals
- Ensuring your estate plan, account titling, and beneficiary designations reflect your legacy intentions
3. Execute, Monitor & Adjust
A good plan only works if it stays relevant. We guide you through implementation and stay involved to help ensure everything stays on track. That includes:
- Coordinating income distributions and tax withholding
- Periodically reviewing your investment allocation and recommending changes as needed
- Monitoring spending guardrails to ensure your plan remains sustainable
- Staying on top of tax law and financial planning changes that may affect you
- Meeting regularly and being available when new questions come up
Ready to see what retirement could look like with a real plan behind it?
Click the Button Below to Schedule a No-Obligation Discovery Call
