While we work with clients in all stages of life, many are nearing retirement and are preparing for the transition. At Tailored Wealth Management, we offer a wide array of services designed to address their many financial concerns:

Investment Management

Rather than chase the markets or fall prey to short-lived investment fads, we are focused on seeking growth potential while managing risk. Based on your individual needs and risk tolerance, we create an investment portfolio focused on pursuing long-term goals and absolute returns, not relative returns. This may include investments such as structured notes, annuities, alternative investments, and life insurance. Our goal is to develop comprehensive strategies in an effort to provide growth potential while guarding against risk.

Retirement Planning

Many of our clients planning for retirement are focused on preserving their wealth and creating a financially secure retirement. With this in mind, we develop conservative strategies with a focus on risk management. We seek to identify opportunities for building a consistent income with the goal of having this income last through retirement and help you determine when you may be able to retire. The retirement income planning process often includes analyzing income sources, managing assets, determining future expenses, and estate planning. Beyond developing a retirement plan, we can offer you advice and education on Social Security (including how to claim and maximize your benefits), long-term care insurance, and other complex financial elements of retirement.

401(k) and IRA Distribution Strategies

Those who have changed jobs or retired and have left savings in a previous employer’s retirement plan, such as a 401(k), have four options:

• Leave the money in his/her former employer’s plan, if permitted;

• Roll over the assets to his/her new employer’s plan, if one is available and rollovers are permitted;

• Roll over to an IRA; or

• Cash out the account value.

Estate Planning

The ultimate distribution of your estate is an important consideration, yet preserving wealth and transferring an estate to your heirs can be complicated and confusing. Sometimes, because of taxes, the process of distributing our estates to heirs may be a very costly process. Appropriate estate planning may help reduce these expenses and help pay them in a cost-effective, tax-efficient manner. We can assist you in articulating your estate planning needs and coordinate the work of other professionals who may be needed, such as an attorney or CPA.


Perhaps the biggest goal of a retirement plan is to ensure you have enough assets to last throughout retirement. Rather than taking risks with investments, your focus may be on wealth preservation and distribution. One of the advantages of an annuity is that you can save a large amount of money and defer paying income taxes. Each year, the money you invest compounds tax-deferred. You can set up guaranteed payments* for the rest of your life to complement other retirement income sources, like Social Security. For many investors, especially those focused on retirement, a guaranteed income for life* can offer financial confidence so you can focus on enjoying your retirement.


In any financial strategy, it’s important to protect the assets you’re building and preserving. Having the right insurance can be central to helping make this happen. We can help you address your insurance needs and assess appropriate options, including life insurance, long-term care insurance, and disability insurance.

*Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.