Your Interests Come First
As a Registered Investment Advisor (RIA) and as Certified Financial Planners (CFP®), we have a fiduciary responsibility to always put our clients’ interests first, and ahead of our own. We are experts in the Transition to Retirement.
Experts in the
Transition to retirement
Stone Pine provides its clients with detailed one-on-one planning and guidance to successfully navigate the challenges retirees face. We advise our clients on how to create a reasonable and well-coordinated retirement plan that works for each individual or couple. Once you have your plan in place, you can fully enjoy the retirement life you envisioned, knowing that your finances are working for you.
Experts in the
Transition to retirement
Stone Pine provides its clients with detailed one-on-one planning and guidance to successfully navigate the challenges retirees face. We advise our clients on how to create a reasonable and well-coordinated retirement plan that works for each individual or couple. Once you have your plan in place, you can fully enjoy the retirement life you envisioned, knowing that your finances are working for you.
The Seven Steps for a Secure Retirement
1. Your Time
Decide how you want to spend your time in retirement.
2. Your Expenses
Develop an estimate of your expenses in retirement.
3. Insurance
Evaluate your options for healthcare and long-term care.
4. Social Security
Decipher the best time to start your benefits.
5. Investing in Retirement
Understand the unique needs and risks you face as a retiree.
6. Taxes Strategies
Implement strategies that keep more of your hard-earned money in your pocket.
7. Estate Planning
Establish control of your finances during retirement and beyond.
How Stone Pine Financial Helps
Independent Advice
Your needs and values are unique, so you’ll have the chance to share what’s important to you, and then we’ll design a plan that addresses all areas of your finances.
Financial Planning for Your Family
We offer complimentary services to your children to help them establish a sound financial plan, and to ensure efficient and responsible wealth transfer to the next generation.
Your Best Interest is Our Top Priority
As fee-only advisors who are held to the Fiduciary Standard, your best interest is the driving force behind every decision we make.
Meetings and Reviews
You help us determine the frequency of meetings and contact that feels comfortable for you, and we are happy to adjust this as your needs change.
Industry-Leading Security
We take the security of your information and accounts very seriously. In coordination with our custodian, Charles Schwab, we have procedures and technology in place to assure your safety.
The Seven Steps for a Secure Retirement
1. Your Time
Decide how you want to spend your time in retirement.
2. Your Expenses
Develop an estimate of your expenses in retirement.
3. Insurance
Evaluate your options for healthcare and long-term care.
4. Social Security
Decipher the best time to start your benefits.
5. Investing in Retirement
Understand the unique needs and risks you face as a retiree.
6. Taxes Strategies
Implement strategies that keep more of your hard-earned money in your pocket.
7. Estate Planning
Establish control of your finances during retirement and beyond.
How Stone Pine Financial Helps
Independent Advice
Your needs and values are unique, so you’ll have the chance to share what’s important to you, and then we’ll design a plan that addresses all areas of your finances.
Financial Planning for Your Family
We offer complimentary services to your children to help them establish a sound financial plan, and to ensure efficient and responsible wealth transfer to the next generation.
Your Best Interest is Our Top Priority
As fee-only advisors who are held to the Fiduciary Standard, your best interest is the driving force behind every decision we make.
Meetings and Reviews
You help us determine the frequency of meetings and contact that feels comfortable for you, and we are happy to adjust this as your needs change.
Industry-Leading Security
We take the security of your information and accounts very seriously. In coordination with our custodian, Charles Schwab, we have procedures and technology in place to assure your safety.
We will help you devise a coordinated plan that allows for consistent distributions and protects against the unique risks retirees face.
Investing in Retirement is Different
Even if you had some good investing habits during your working years, you’ll likely need to make some adjustments to your investment strategy as you approach retirement. In retirement, you have two competing needs from your investments: safety and growth. The more you concentrate on one of these needs, the further away from the other you go.
Retirement investing is a balancing act between growth and safety, while also accessing your portfolio for income and distributions. For decades, you have been in the habit of saving into your portfolio. Now, the idea of taking distributions from it can be a difficult mental change.
The good news is that there are systems you can put in place to have confidence in a sustainable distribution amount, while not having to worry about fluctuations in the market.
As experts in the Transition to Retirement, we will help you set up the best plan for your situation.
We always work in the best interest of our valued clients.
Our Promise
The Fiduciary Standard states that we will always act in the best interest of our clients, and that we will always put our clients’ priorities above our own. We are held to the Fiduciary Standard as part of the Code of Ethics as CFP® practitioners. Additionally, as Investment Advisors (RIA) we are also held to this standard. The majority of advisors follow a Suitability Standard, which is far less stringent and, in our opinion, results in a conflict of interest with the client.