We are Certified Financial Planners AND Retirement Income Specialists.
- There are over 300,000 Financial Advisors
- About 30% are CFP’s® and very few are Retirement Income Specialists.
We are Certified Financial Planners and Retirement Income Specialists. Most financial advisors help you get to retirement, we help you get through retirement. Putting together the pieces to the puzzle that form a retirement income plan takes lots of specific knowledge, skill and training that a general financial planner does not have. You need a specialist who understands the specific risks retirees face and can form a plan, specific to you, that will provide the freedom to focus on others areas of your retirement and allow you to sleep well at night.
We are Certified Financial Planners AND Retirement Income Specialists.
- There are over 300,000 Financial Advisors
- About 30% are CFP’s® and very few are Retirement Income Specialists.
We are Certified Financial Planners and Retirement Income Specialists. Most financial advisors help you get to retirement, we help you get through retirement. Putting together the pieces to the puzzle that form a retirement income plan takes lots of specific knowledge, skill and training that a general financial planner does not have. You need a specialist who understands the specific risks retirees face and can form a plan, specific to you, that will provide the freedom to focus on others areas of your retirement and allow you to sleep well at night.
Who Is a Typical Stone Pine Client?
Our typical client is 55 or older with $1 million or more in investible assets. In addition, you are likely a good fit if you are looking for the following:
- I want peace of mind that I can live comfortably and not worry about running out of money.
- I want an investment strategy that specifically addresses the needs and risks retirees face.
- I prefer to delegate and collaborate with an expert so I can concentrate on enjoying retirement.
What we do
The transition to retirement is the most important period in your financial life. Most financial advisors help you get to retirement – we help you get through retirement.
Portfolio Management
Retirees face unique investment challenges. We are well-versed in the proper construction of a retiree investment portfolio – to balance the need for both growth and safety and allow for sustainable distributions.
Tax Planning
In the early years of retirement, people are often surprised to see a significant drop in their tax liabilities. We develop tax strategies to take advantage of these “low-tax” years.
Coordinated Advice
Decisions regarding retirement income, investments, taxes, healthcare, housing, estate planning and more all need to be thoughtfully crafted into a cohesive retirement plan.
What we do
The transition to retirement is the most important period in your financial life. Most financial advisors help you get to retirement – we help you get through retirement.
Portfolio Management
Retirees face unique investment challenges. We are well-versed in the proper construction of a retiree investment portfolio – to balance the need for both growth and safety and allow for sustainable distributions.
Tax Planning
In the early years of retirement, people are often surprised to see a significant drop in their tax liabilities. We develop tax strategies to take advantage of these “low-tax” years.
Coordinated Advice
Decisions regarding retirement income, investments, taxes, healthcare, housing, estate planning and more all need to be thoughtfully crafted into a cohesive retirement plan.
Advice we Provide
The key is to have a retirement plan that coordinates all of the decisions and strategies you employ. Otherwise, decisions made in isolation can often have unintended consequences on other parts of your finances.
Social Security
Determine the best timing and claiming strategy to maximize these dollars for you and your family.
Roth Conversions
This is one of many tax strategies we often recommend in the early years of retirement to take advantage of low tax years and to reduce Required Distributions in the future.
Medicare
Understand your healthcare options, what type of plan makes the most sense for your situation and resources for obtaining coverage at the best price.
Retirement Paycheck
A strategy that allows for consistent distributions from your investments regardless of fluctuations in the stock market.
The Order of Withdrawals
Not all distributions are created equal. Determining which accounts to access, and in which order, can have a significant impact on the longevity of your assets.
Housing Decisions
This is typically a retirees' largest expense. Analyzing the effects of moving to a different state, downsizing or staying put can have a significant impact on the overall retirement plan.
Advice we Provide
The key is to have a retirement plan that coordinates all of the decisions and strategies you employ. Otherwise, decisions made in isolation can often have unintended consequences on other parts of your finances.
01
Social Security
Determine the best timing and claiming strategy to maximize these dollars for you and your family.
02
Roth Conversions
This is one of many tax strategies we often recommend in the early years of retirement to take advantage of low tax years and to reduce Required Distributions in the future.
03
Medicare
Understand your healthcare options, what type of plan makes the most sense for your situation and resources for obtaining coverage at the best price.
04
Retirement Paycheck
A strategy that allows for consistent distributions from your investments regardless of fluctuations in the stock market.
05
The Order of Withdrawals
Not all distributions are created equal. Determining which accounts to access, and in which order, can have a significant impact on the longevity of your assets.
06
Housing Decisions
This is typically a retiree's largest expense. Analyzing the effects of moving to a different state, downsizing or staying put can have a significant impact on the overall retirement plan.
Things change
Just like your “30 year old self” would have likely struggled to envision where you are today, it will also likely be hard to envision changes that will take place throughout your retirement.
We track your progress and make adjustments along the way to adapt to changes in your life, as well as to market, economic and tax law changes.
Things change
Just like your “30 year old self” would have likely struggled to envision where you are today, it will also likely be hard to envision changes that will take place throughout your retirement.
We track your progress and make adjustments along the way to adapt to changes in your life, as well as to market, economic and tax law changes.
Things change
Just like your “30 year old self” would have likely struggled to envision where you are today, it will also likely be hard to envision changes that will take place throughout your retirement.
We track your progress and make adjustments along the way to adapt to changes in your life, as well as to market, economic and tax law changes.
Stone Pine In The Media
Latest News
Spring 2025 Edition: Retirement in Focus
Read our Spring 2025 edition of our newsletter, Retirement in Focus.
2024 Year End Market Review
2024 provided positive returns across the globe in both the stock and bond markets. The cake goes to the US market with a whopping 24%
2024 Year End Financial Checklist
This time of year is full of highly anticipated countdowns to family gatherings, holidays, and of course the new year. We’re here to remind you
2024 Q3 Market Review
The third quarter of 2024 continued the bull market that we’ve been enjoying for nearly a year now. While investors tend to focus on the
Latest News
Spring 2025 Edition: Retirement in Focus
Read our Spring 2025 edition of our newsletter, Retirement in Focus.
2024 Year End Market Review
2024 provided positive returns across the globe in both the stock and bond markets. The cake goes to the US market with a whopping 24%
2024 Year End Financial Checklist
This time of year is full of highly anticipated countdowns to family gatherings, holidays, and of course the new year. We’re here to remind you
2024 Q3 Market Review
The third quarter of 2024 continued the bull market that we’ve been enjoying for nearly a year now. While investors tend to focus on the