Our specialist team of consultants understands the importance of lasting relationships with clients to deliver specific investment solutions.
At Excelsior we believe retirement shouldn’t feel like a question mark. It should feel like a plan. Whether you’re five years away from retiring or still early in your career, the right retirement strategy ensures you can step away from work on your terms—with the lifestyle you’ve envisioned. With over 35 years in experience we helped countless clients reach their retirement goals.
As a fiduciary wealth advisor in South Florida, we specialize in guiding clients through the complexities of retirement planning with one focus: your long-term financial freedom.
Retirement is not just about “having enough.” It’s about creating choices. Without a clear plan, many retirees end up relying too heavily on Social Security or spending down their savings too quickly. With the right retirement roadmap in place, you can:
– Minimize taxes so you keep more of what you’ve earned.
– Invest with confidence—through both market ups and downs.
– Protect your family and legacy for future generations.
Our Fiduciary Approach to Retirement Planning Unlike many advisors tied to product quotas or commissions, we are fiduciaries. That means:
– Your interests come first. Always.
– No hidden agendas. Our recommendations are designed around your goals, not sales targets.
– Personalized strategies. Retirement isn’t one-size-fits-all, and neither are our plans.
We take the time to understand your vision for retirement—whether that’s traveling the world, starting a second career, or simply enjoying time with family. Then we design a plan that supports it.
A successful retirement strategy balances multiple income sources. Here’s how we help you structure yours:
Traditional IRA – Pre-tax contributions, tax-deferred growth, ideal if you expect to be in a lower tax bracket in retirement.
Roth IRA – Contributions made with after-tax dollars; growth and withdrawals can be tax-free. Perfect if you expect higher taxes later.
Spousal IRA – Helps a non-working spouse build retirement savings.
Traditional IRA – Pre-tax contributions, tax-deferred growth, ideal if you expect to be in a lower tax bracket in retirement.
Roth IRA – Contributions made with after-tax dollars; growth and withdrawals can be tax-free. Perfect if you expect higher taxes later.
Spousal IRA – Helps a non-working spouse build retirement savings.
Traditional IRA – Pre-tax contributions, tax-deferred growth, ideal if you expect to be in a lower tax bracket in retirement.
Roth IRA – Contributions made with after-tax dollars; growth and withdrawals can be tax-free. Perfect if you expect higher taxes later.
Spousal IRA – Helps a non-working spouse build retirement savings.
Traditional IRA – Pre-tax contributions, tax-deferred growth, ideal if you expect to be in a lower tax bracket in retirement.
Roth IRA – Contributions made with after-tax dollars; growth and withdrawals can be tax-free. Perfect if you expect higher taxes later.
Spousal IRA – Helps a non-working spouse build retirement savings.
– During our 30-minute call, we’ll:
– Discuss your retirement goals.
– Review your current savings and investments.
– Outline a path forward with clear next steps.
A successful retirement strategy balances multiple income sources. Here’s how we help you structure yours:
Traditional IRA – Pre-tax contributions, tax-deferred growth, ideal if you expect to be in a lower tax bracket in retirement.
Roth IRA – Contributions made with after-tax dollars; growth and withdrawals can be tax-free. Perfect if you expect higher taxes later.
Spousal IRA – Helps a non-working spouse build retirement savings.
Traditional IRA – Pre-tax contributions, tax-deferred growth, ideal if you expect to be in a lower tax bracket in retirement.
Roth IRA – Contributions made with after-tax dollars; growth and withdrawals can be tax-free. Perfect if you expect higher taxes later.
Spousal IRA – Helps a non-working spouse build retirement savings.
Traditional IRA – Pre-tax contributions, tax-deferred growth, ideal if you expect to be in a lower tax bracket in retirement.
Roth IRA – Contributions made with after-tax dollars; growth and withdrawals can be tax-free. Perfect if you expect higher taxes later.
Spousal IRA – Helps a non-working spouse build retirement savings.
We’ve helped professionals, families, and business owners transition from full-time work into financially confident retirements.
We understand the unique advantages of retiring in South Florida—from tax benefits to cost of living.
We monitor your plan continuously, adjusting as tax laws and markets shift.
In our experience it is likely that you’re paying much higher fees than you even know. Our fee analysis tool will tell you how much you are paying, and how much we are able to save you.
Everyone is different and there is no right or wrong answer. The better question would be “Are my investments performing in line with the level or risk that I am taking?” We can compare your current portfolio’s risk to the performance and tell you where there may be some pitfalls.
In our experience it is likely that you’re paying much higher fees than you even know. Our fee analysis tool will tell you how much you are paying, and how much we are able to save you.
Many of the portfolios we analyze are outdated, tax-inefficient, and lack many investments that were once only available to high net-worth individuals but are now available to all retail clients.
While there are certainly individuals who enjoy investing themselves, investing is a full-time job if you want to do it correctly. We find that even those who spent their entire lives investing themselves choose to hire an Advisor during their retirement so they can relax and enjoy the fruits of their labor. Vanguard released a study stating that working with an Advisor can add 3% per year in performance due to the Advisor’s ability to guide clients through their stated plan.
Everyone is different and there is no right or wrong answer. The better question would be “Are my investments performing in line with the level or risk that I am taking?” We can compare your current portfolio’s risk to the performance and tell you where there may be some pitfalls.
“Russell Stout has been my financial advisor for over a decade. I have the upmost confidence in his abilities. I continually compare my losses/gains vs the overall market and especially during tax time and my capital gain. The tactics Russell uses strategically project the unpredictable market trends, He looks at the opportunities and balances them with the challenges of the market and plugs in percentages of my money into various types of funds that lead to my financial goals and aspirations.”
Non compensated client testimonial; may not be representative of all client experiences; no guarantee of future performance or success.
“Russell Stout has been my financial advisor for over a decade. I have the upmost confidence in his abilities. I continually compare my losses/gains vs the overall market and especially during tax time and my capital gain. The tactics Russell uses strategically project the unpredictable market trends, He looks at the opportunities and balances them with the challenges of the market and plugs in percentages of my money into various types of funds that lead to my financial goals and aspirations.”
Non compensated client testimonial; may not be representative of all client experiences; no guarantee of future performance or success.
