Retirement Income Planning

The cornerstone of SGWM is our Retirement Income Planning. Your lifetime income and the plan to maintain that income is critical to a successful retirement. Through extensive understanding of your assets and sources of income, we overlay tax strategies, social security, pensions, passive income sources (rental property, royalties, etc), market returns and inflation, to provide you with a year-by-year assessment of your portfolios potential income and how it is most wisely distributed.


Navigating the thousands of investment choices available can be a daunting task. We measure the risk and reward of each investment against your tolerance for risk to determine the right fit for your goals.

Comprehensive Financial Planning

We take a holistic approach to your Financial Plan by providing a detailed net worth statement of all your financial resources. Working together, we then identifying your goals and guide you toward pursuing them; whether they be retirement, starting or selling a business, educating your children or grandchildren or creating a charitable foundation. Lastly, we monitor your progression toward your goals to be sure they remain on track.


Insurance is there to protect you and your family from loss. Our analysis of your existing insurance will determine if your coverage is adequate or even necessary. We look at all forms of insurance to be sure you are protected and that your premiums are in-line with current market prices. If you need additional coverage, we are able to provide all forms of insurance, including Disability, Life and Long-Term Care.

Stock Options, Restricted Stock and Net Unrealized Appreciation (NUA)

Many clients have a great deal of wealth tied up in Stock Options and restricted stock. When to sell or exercise options are a big consideration and require careful thought and planning. Net Unrealized Appreciation (NUA) is a strategy to sell stock held in 401k accounts at the capital gains rate instead of ordinary income tax rates. This complicated strategy must be executed correctly to take advantage of this tax break, we have the expertise to assist you.

Social Security and Medicare Planning

As you approach retirement, questions of when to begin these services and how to maximize the benefits become increasingly important. We review your options with extensive analysis of the impact to your plan and provide guidance. Our affinity partners can provide expertise in this area. Please see “Affinity Partners” for further details.

Estate and Tax Planning

Working with your Estate Planning Attorney and Tax Professional, we integrate these key strategies into your financial plan to allow for the most efficient and cost-effective ways to proceed. We will meet with your trusted advisors to be sure every detail is understood. If you do not have an estate planning attorney or CPA, our affinity partners are experienced professionals that can guide you. Please see “Affinity Partners” for further details.

Security Based Lending and Loan Guidance

A loan against your investments may be a prudent choice, if selling those investments now is not a wise choice or if the taxes on the appreciation are too great. Perhaps you don’t want to sell the stock due to the dividend it produces. All these factors can be avoided by using a securities-based loan. We also provide guidance on auto and mortgage loans as they relate to interest rate, down payment and liabilities.

Required Minimum Distributions (RMD)

Knowing how, when and from which account to take your RMD is a key factor in retirement planning. A missed RMD could cause a 50% tax penalty and derail your planning. With the accounts that we manage, we can set up distributions that make sure your correct RMD amount is taken, that it is done before the deadline and that the IRS documents are provided to prove distribution.


There are ways to simplify the budget process, to paydown and eliminate debt and build contributions to your portfolio. We are happy to make this service available to clients who would like some guidance in this area.

Eldercare Resources

Through our affinity partner, we work together to provide assistance in finding the right care facility and licensed healthcare professionals for you or a loved one. Our team will provide the details on how this cost may impact your plan and provide suggestions for these expenses.


  • Stocks
  • Bonds
  • Mutual Funds
  • Exchange Traded Funds (ETF)
  • Unit Investment Trusts (UIT)
  • Real Estate Investment Trusts
  • Structured Products
  • Initial Public Offering (IPO)


  • Brokerage Accounts: Separate Property, Individual, Joint
  • Trust and Estate Accounts
  • Traditional and Roth IRAs
  • Variable, Fixed and Equity Indexed Annuities
  • Simple IRA
  • 401k & 403b Plans
  • Individual 401k plans (Uni-K Plans)
  • Profit Sharing Plans
  • Cash Balance Plans
  • Education IRAs
  • 529 College Saving Plans


  • Comprehensive Financial Plans
  • Retirement Income Planning
  • College Education Planning
  • Budget and Debt Reduction Planning


  • Disability Income Insurance
  • Life Insurance
  • Long Term Care Insurance

Contact us today.

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