Built for the five years before and after retirement.
We work with people 50 to 65 who are in the most consequential decade of their financial lives. Most of our clients have $1.5M+ in investable assets, want a fee-only fiduciary, and prefer to do this work virtually.
The decade that decides everything.
The five years before and after your retirement date are the highest-stakes financial years of your life. Decisions made during this window compound for the next 30+ years, and most of them are difficult or impossible to undo.
When to claim Social Security. How to sequence Roth conversions. When to enroll in Medicare. How to structure withdrawals so your portfolio lasts. How to manage the tax torpedo of required minimum distributions. These aren’t just questions. They’re the questions that determine whether your retirement works.
This is the only work we do. Every system we use, every recommendation we make, and every dollar of overhead is pointed at the same thing: getting this decade right for the people we serve.
You’re likely a good fit if you…
We work best with people who are clear about what they want, open about their financial picture, and ready to commit to a long-term partnership.
We’re probably not the right fit if you…
We’d rather tell you upfront than waste your time. If most of these describe you, there are other advisors who will serve you better, and we’re happy to help you find one.
Common situations we help with.
These aren’t case studies. They’re patterns we see again and again. If one feels close to your situation, we should probably talk.
“I’m five years out and worried I’ll miss the Roth conversion window.”
You have $2M+ in tax-deferred 401(k)s and IRAs. You’re earning your peak income, you understand RMDs are coming, and you’re worried that if you don’t convert now you’ll get crushed on taxes in your 70s. You need someone to model the conversion strategy that actually fits your tax bracket year by year.
“I just retired and I have no idea when to claim Social Security.”
You’ve been told to wait until 70. You’ve been told to claim at 62. You’ve read articles that contradict each other. You need someone to run the actual numbers for your specific situation, accounting for your spouse, your portfolio, and the cost of waiting versus claiming.
“My company just offered me an early retirement package. Can I actually do this?”
You weren’t planning to retire for another seven years, and suddenly you have a decision window measured in weeks. You need someone who can quickly model whether the package works, what the tax implications look like, and how to bridge healthcare until Medicare.
“I started late, but I want to know if retirement is actually possible at 65.”
You’ve saved consistently for the last 15 years but you didn’t start in your 20s like the articles say you should have. You have $1.2M to $1.8M, and you want a real, unflinching assessment of whether 65 is realistic, what trade-offs would buy you another five years, and how to lower your tax bill along the way.
Three ways to get started.
We offer three levels of engagement to match different stages of readiness and complexity.
Financial Planning with Patrick
A complete retirement plan delivered over six meetings in about 90 days. For people who want a real plan but aren’t ready to hand over their investments.
Wealth Management
A long-term partnership covering retirement planning, investment management, tax strategy, Social Security, Medicare, and estate coordination.
Planning with a Prana Team Member
A lower-cost planning option through our vetted planning partner. Dedicated CFP® professional, personalized plan, ongoing coaching sessions.
See if we’re a fit for you.
If anything on this page sounds like you, please take five minutes to answer a few questions. Patrick will personally review your responses and let you know if working together makes sense.
