Investment management
For the part of your money that should keep growing, we build and manage portfolios of stocks, ETFs and bonds. Allocation follows your timeline and your tax picture, not a model portfolio off a shelf. We show you every fee in dollars, rebalance on a schedule, and review the whole thing with you every year. Investment accounts are managed through Bridgeriver Advisors LLC, a registered investment adviser, and held in custody at Charles Schwab, an independent custodian. Panic Proof Retirement never holds your money.
- 401(k), 403(b) and IRA rollovers, done in the right order
- Net Unrealized Appreciation (NUA) strategy for company stock
- Tax-efficient withdrawal sequencing across accounts
- Concentrated-stock and deferred-compensation planning
Guaranteed income
For the money you can't afford to lose, we use fixed index annuities and other insurance products through our IncomeMAX™ strategy: a floor of zero in a down year, lifetime income you can't outlive, optional income doublers if you need long-term care, and annual resets that lock in gains. Insurance products are separate from investment advice, and your plan spells out exactly which is which.
Tax and income planning
- Social Security claiming strategy for you and your spouse
- Roth conversion timing in the low-tax years before required distributions
- RMD planning so a tax bill in your seventies never surprises you
- Medicare and IRMAA surcharge management
- Long-term care exposure and legacy planning
What it costs
The check-up and the written plan are free. Investment management carries an advisory fee we show you in dollars, not just percentages. Insurance products compensate us from the issuing company, not from you. Everything is disclosed before you decide anything.