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
IRA Charitable Gift Annuity
As part of the recently passed Consolidated Appropriations Act of 2023, (commonly referred to as SECURE Act 2.0), retirees have an exciting, new opportunity: to
Recession, Debt Ceiling, And Other Crises Du Jour
Question: The possibility of a recession and the potential debt ceiling crisis really has me worried. Should I make a change to my portfolio? Answer:
Spring 2023 Edition: Retirement in Focus
Read our Spring 2023 edition of our newsletter, Retirement in Focus.
Making Sense of the Banking Headlines
With all of the recent news regarding the banking system, we thought you may find it helpful to review the following common questions about what
Latest News
IRA Charitable Gift Annuity
As part of the recently passed Consolidated Appropriations Act of 2023, (commonly referred to as SECURE Act 2.0), retirees have an exciting, new opportunity: to
Recession, Debt Ceiling, And Other Crises Du Jour
Question: The possibility of a recession and the potential debt ceiling crisis really has me worried. Should I make a change to my portfolio? Answer:
Spring 2023 Edition: Retirement in Focus
Read our Spring 2023 edition of our newsletter, Retirement in Focus.
Making Sense of the Banking Headlines
With all of the recent news regarding the banking system, we thought you may find it helpful to review the following common questions about what