Your Retirement.A Portfolio With a Plan.
Whether you’re preparing to retire or already drawing on your savings, your portfolio needs to support spending today and the years ahead.
We plan your investments and withdrawals around the income you need, taking Social Security, pensions and other income into account—all within one ongoing wealth management relationship.
Both reviews are complimentary. No obligation to become a client.
Turn Retirement Questions Into Investment Decisions
How Much Can I Spend?
We assess how much your portfolio may support in withdrawals, alongside other income, with attention to inflation, market risk and a retirement that may last decades.
Where Will My Income Come From?
We estimate what your portfolio needs to provide after Social Security, pensions and other income are taken into account.
Which Accounts Should I Draw From?
We consider account types, relevant taxes and any required minimum distributions when planning withdrawals.
How Should I Stay Invested?
We balance cash for upcoming needs with investments for longer-term growth, considering risk and potential market declines.
From Retirement Goals to Ongoing Management
Understand Your Needs
We begin with your retirement timeline, expected spending, investments and other income, including major purchases and family commitments.
Align Income and Investments
We develop an investment mix, cash reserves and a withdrawal approach around what your portfolio needs to provide.
Review and Adjust
We revisit spending, withdrawals and investment risk as your needs, markets and circumstances change.
The goal is to support your life today while keeping your portfolio positioned for the years ahead.
Direct Access. Clear Accountability.
Your Investment Manager
Work directly with Dragan Mark Filipovic, CFA®, the person responsible for managing your portfolio.
Independent Fiduciary
Investment advice centered on your goals, with an obligation to act in your best interests.
Independent Custody
Your assets are held in accounts in your name at Charles Schwab, with statements and online access provided directly by Schwab.
Standard annual advisory fee: 0.50% of assets under management.
Underlying fund expenses and applicable third-party charges are separate.
Before You Get Started
How does retirement planning fit into wealth management?
Your retirement needs help determine how we invest and manage your portfolio. We consider expected spending, Social Security, pensions and other income to estimate what your investments may need to provide. That informs your investment mix, cash reserves and withdrawal approach. We revisit these decisions within one ongoing wealth management relationship before and throughout retirement.
Can you help if I am already retired?
Yes. We work with people who are already drawing on their savings as well as those preparing to retire. We review your current investments, spending, income sources and withdrawals to understand how they work together.
From there, we evaluate whether changes to cash reserves, investment risk or withdrawals could better support your needs, with attention to taxes, inflation and the years ahead.
How do you evaluate how much I can withdraw?
We start with what you expect to spend and what Social Security, pensions and other income may cover. We then evaluate the amount needed from your portfolio alongside its size, investment mix, retirement time horizon and potential taxes.
We also consider inflation, market declines and flexibility in spending. We revisit the withdrawal approach as your circumstances change, because the amount your portfolio can support may change over time.
How do taxes and required minimum distributions affect withdrawals?
Different account types can have different tax consequences when you withdraw money. We consider those differences, your spending needs and any required minimum distributions when planning withdrawals from the accounts we manage.
Required minimum distributions are withdrawals that tax rules require from certain retirement accounts, even if you do not need the money for spending. We factor them into your cash needs and investment decisions. Your tax professional should advise on your specific tax obligations.
What happens if markets fall or my spending needs change?
We reassess your withdrawal needs, available cash and investment mix in light of the change. During a downturn, we consider how to fund spending while managing the impact of selling investments at lower prices. A major new expense may also call for adjustments to cash reserves or withdrawals.
We explain the trade-offs and discuss whether spending flexibility or portfolio changes are appropriate for your longer-term needs.
A Clearer View of Your Retirement Portfolio
Already Have an Advisor?
Get an independent perspective on how your current portfolio supports your retirement needs.
Portfolio Second OpinionDon’t Have an Advisor?
See how your investments, cash reserves and other income fit together for retirement.
Complimentary Portfolio ReviewBoth reviews are complimentary. No obligation to become a client.