Most people approaching retirement are not afraid of retirement.

They are wondering whether the system they have built will behave the way they expect once paychecks slow, taxes compress, and income must be coordinated rather than accumulated.

You likely have:

• Significant tax-deferred balances such as 401ks and IRAs
• Non-qualified brokerage accounts held outside the plan
• Equity compensation, deferred income, or bonus structures
• Real estate with associated leverage
• Multiple insurance layers across life, disability, long term care, and property
• Estate documents designed to protect spouse, children, or parents

Most of these were built at different times, under different assumptions, and rarely tested as one system.

Individually, these may be well managed.

Collectively, they are rarely mapped into one coordinated retirement framework.

A Different Way to Think About Planning

We call this your Wealthspan.

Your Wealthspan reflects how long your financial structure can sustain your lifestyle once income depends on coordination rather than contribution.

At this stage, the objective shifts.

It is no longer just portfolio growth.

It is income sequencing.
Tax coordination.
Risk alignment.
Distribution structure.

Clarity and flexibility begin to matter more than incremental returns.

Why This Stage Feels Different

You have likely built real momentum.

But as retirement approaches:

• Tax-deferred balances may dominate your net worth
• Withdrawal sequencing decisions become harder to reverse
• Social Security timing begins interacting with portfolio income
• Risk tolerance and actual portfolio exposure may no longer align

Small structural decisions begin carrying long term consequences.

Not because markets are unpredictable.

But because retirement is a distribution problem, not an accumulation problem.

The Real Risk Most Plans Miss

Most retirement plans focus on accumulation.

Save more.
Invest longer.

Few address how:

• How tax-deferred balances will be sequenced and managed over time
• How non-qualified assets will be integrated to manage tax exposure
• How income will be structured across multiple decades of retirement
• How insurance and estate layers support the overall design

The Wealthspan Gap appears when these elements are built, but not coordinated.

How We Help

We begin by mapping your entire financial life into one integrated framework.

• Cash flow
• Qualified investments
• Non-qualified investments
• Real estate and associated debt
• Insurance layers across life, disability, long term care, and property
• Legal structure including wills, trusts, and powers of attorney
• Family dependencies and obligations

This visual architecture allows you to see how decisions interact before committing to optimization.

We then quantify your Risk Number using a framework grounded in Nobel Prize–winning behavioral finance to determine how much risk you are willing to take with your finances.

Clarity comes first.
Optimization follows.

Who This Is For

Senior professionals and business owners, including Government Contracting founders and executive teams preparing for ownership transitions or liquidity events, senior technology executives managing complex equity compensation, and pre-retirees within 5–10 years of transitioning to income, who are moving from accumulation to coordinated income.

People who prefer structural clarity over reactive adjustments.

A First Step

The Wealthspan Review is a structured clarity session.

You leave with tangible clarity:

• A one-page integrated financial map
• A quantified understanding of your financial risk
• A clearer view of how your system behaves under stress and over time.

There is no product recommendation in this session. Only structure.

The clarity is yours to keep, whether or not we ever work together.

For business owners considering a future ownership transition, the Wealthspan Review provides foundational clarity before more advanced exit and liquidity planning begins.