Financial Advisor forRetirees & Pre-Retirees
You’ve spent years building your savings. Whether you’re preparing
to retire or already retired, we help you understand how much you
can spend and how to invest for the retirement you want.
Gold Coast Capital Management brings your investments, Social
Security, pensions and other income into one retirement strategy.
We help you plan withdrawals, manage investment risk and adjust
your portfolio as your needs change.
How Will Your Investments
Support Your Retirement?
You may have built your savings across workplace retirement plans, IRAs and brokerage accounts. As you approach retirement or settle into it, those accounts need to work together to support your spending and long-term goals.
Social Security, pensions and other income may cover part of your expenses. Your portfolio needs a clear role in funding the rest, balancing cash for near-term spending with growth potential for the years ahead.
Gold Coast Capital Management reviews your accounts as one portfolio. We evaluate investment risk, cash reserves and expected withdrawals alongside your other income, then build and manage a strategy around your spending needs and retirement goals.
Retirement Strategy
An Investment Strategy for
Every Stage of Retirement
Retirement changes how you use the wealth you’ve built. Whether you’re preparing to retire or
already drawing on your savings, Gold Coast helps align your investments with your spending
needs, other income and the years ahead.
Preparing to Retire
Before you leave a regular paycheck behind, understand what your savings may need to provide. We compare expected spending with Social Security, pensions and other income, then evaluate how your portfolio fits your retirement date and future withdrawal needs.
Drawing on Your Savings
Once withdrawals begin, your portfolio needs to support current spending while remaining invested for the years ahead. We help plan which accounts to draw from, how much cash to keep available and how taxes may affect what you can spend.
Managing Market Changes
A market decline can feel different when you rely on your investments for income. We review your investment mix, cash reserves and planned withdrawals together, balancing money needed soon with growth potential for a retirement that may last decades.
Adapting as Life Changes
A move, rising healthcare costs or changes in your family can reshape what you need from your wealth. We revisit your spending, withdrawals and investment strategy as life changes, helping you weigh new priorities alongside your longer-term goals.
How Gold Coast Helps
Retirees & Pre-Retirees
Gold Coast brings investment planning, portfolio management, retirement planning and tax-aware investing together as part of one ongoing wealth management relationship. We help connect your investments with the income you need and the retirement you want, adjusting your strategy as life changes.
Investment Planning
We review your accounts, retirement timeline and spending needs to define what your investments need to accomplish. We then develop a mix of stocks, bonds and cash that balances near-term needs, long-term growth potential and your comfort with risk.
Explore Investment PlanningPortfolio Management
We manage your investments so you can spend less time overseeing your portfolio. We monitor holdings, rebalance when needed and review costs and cash reserves, keeping your strategy aligned with your goals as your circumstances change.
Explore Portfolio ManagementRetirement Planning
We evaluate how much you may be able to spend, considering your investments, Social Security, pensions and other income. We then plan withdrawals around your needs, inflation, market downturns and a retirement that could last decades.
Explore Retirement PlanningTax-Aware Investing
We consider how investment sales and withdrawals affect what you keep after taxes. We account for required minimum distributions where applicable and evaluate tax-loss harvesting in taxable accounts, while keeping your broader investment goals in view.
Explore Tax-Aware InvestingGold Coast Capital Management does not provide individualized tax or legal advice. Clients should consult qualified tax and legal professionals about their specific circumstances.
Does Your Portfolio Fit
Your Retirement Plans?
A complimentary portfolio review helps you understand whether your investments are positioned to support your retirement. We look at your retirement accounts, taxable investments and cash reserves together, whether you’re preparing to retire or already drawing on your savings.
We begin with your retirement goals, spending needs and other income, including Social Security and pensions. Gold Coast then evaluates your investment mix, planned withdrawals, cash reserves, costs and relevant tax considerations.
We walk you through what appears well positioned, what may deserve attention and which changes could better support your goals. There is no obligation to become a client, change financial advisors or transfer assets.
Already have a financial advisor?
Get an independent second opinion on your existing portfolio.
Explore a Portfolio Second Opinion- Overall asset allocationDoes your investment mix balance current needs and long-term growth potential?
- Spending & withdrawalsDo your planned withdrawals fit your savings and retirement timeline?
- Cash & liquidityIs enough money available for spending and unexpected expenses?
- Market riskHow could a market decline affect your portfolio while you take withdrawals?
- DiversificationAre you too dependent on a few investments, companies or sectors?
- Tax-aware investingAre taxes and required distributions included in your withdrawal plan?
- Fees & investment costsWhat are you paying across accounts, funds and advisory fees?
- Coordination across accountsDo your retirement and taxable accounts work together as one strategy?
Frequently Asked Questions
Straightforward answers to common questions from retirees and pre-retirees
considering a portfolio review or ongoing investment management.
- (847) 899-7986
- info@goldcoastcapm.com
- Serving Chicago & Clients Nationwide
How does the complimentary portfolio review work?
We begin with a conversation about your retirement plans, current investments, spending needs and questions. Recent investment statements help us evaluate your accounts together, including your investment mix, risk, cash reserves, costs and relevant tax considerations. We also consider how Social Security, pensions and other income may support your spending.
We then explain what appears well positioned, what may deserve attention and whether changes could better support your retirement goals. The review is complimentary, with no obligation to become a client or transfer assets.
Can Gold Coast review my portfolio if I already have a financial advisor?
Yes. You can request an independent second opinion without leaving your current advisor or committing to any changes.
We evaluate whether your investments, cash reserves and planned withdrawals work together to support your retirement. If your portfolio is already well positioned, we will explain why. If we identify concerns, we walk you through them and discuss your options so you can make an informed decision.
How does Gold Coast help with retirement income and withdrawals?
We start with what you expect to spend and what Social Security, pensions and other income may cover. This helps us estimate how much you may need from your investments, whether you are preparing to retire or already drawing on your savings.
We help you evaluate an appropriate withdrawal amount, decide which accounts to draw from and determine how much cash to keep available for near-term spending. These decisions take into account your investment risk, retirement time horizon, relevant tax considerations and any required minimum distributions.
The goal is to support your spending today while keeping your portfolio positioned for the years ahead. We review the strategy as your needs and circumstances change, with attention to inflation, market conditions and long-term growth.
Gold Coast Capital Management does not provide individualized tax or legal advice. Clients should consult qualified tax and legal professionals regarding their specific circumstances.
Where are my investment assets held if I become a client?
Your investment assets are held in accounts in your name at Charles Schwab, which serves as the independent custodian.
Gold Coast manages your investments under the authority established in your advisory agreement. Schwab holds the assets and provides account statements and direct online access to your holdings, balances and transactions.
This gives you ongoing visibility into your accounts independently of Gold Coast.
What does it cost to work with Gold Coast?
The initial portfolio review is complimentary. For ongoing investment management, Gold Coast’s standard annual advisory fee is 0.50% of assets under management.
The fee covers ongoing portfolio management and investment guidance tailored to your retirement goals.
Gold Coast does not earn commissions from investment recommendations. Underlying fund expenses and any applicable third-party charges are separate from the advisory fee.
Complete details about fees and services are provided in the firm’s advisory agreement and regulatory disclosures.
Get an Independent View
of Your Retirement Portfolio
Whether you’re approaching retirement or already retired, your
portfolio needs to support your spending today and your plans
for the years ahead. A complimentary review helps you see how
your investments and cash reserves fit with Social Security,
pensions and other income.
We’ll evaluate your investment mix, planned withdrawals,
investment costs and relevant tax considerations, then explain
what appears well positioned and what changes could better
support your goals. There is no obligation to become a client,
change financial advisors or transfer assets.
- (847) 899-7986
- info@goldcoastcapm.com
- Serving Chicago & Clients Nationwide
Complimentary review • No obligation