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.
Why Retirement Planning Matters
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:
Turn decades of saving into sustainable income.
- 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.
A retirement plan gives you clarity today and confidence tomorrow.
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.
401(k) – Pre-tax savings, often with employer matching.
403(b) – Similar benefits for educators and nonprofit employees.
457(b) & Thrift Savings Plans – Flexible options for public employees and military personnel.
We don’t just pick accounts—we design strategies around the bigger picture:
Withdrawal Planning – Which accounts to draw from first for maximum tax efficiency.
Social Security Optimization – When and how to claim benefits for the highest lifetime payout.
Tax Strategies – Roth conversions, Required Minimum Distribution (RMD) planning, and the latest SECURE Act 2.0 rules.
Risk Management – Protecting against inflation, health care costs, and market downturns.
