Retirement Risk & Tax Planning
Protecting Retirements From Hidden Risks
Retirement Risk & Tax Planning
Protecting Retirements From Hidden Risks
The Problem
Why Traditional Retirement Planning Falls Short
Retirement is unlike any other stage of life.
- When you stop working, you step out of the productive economy.
- You no longer have a paycheck as a safety net.
- Your lifestyle now depends entirely on your savings, investments, and planning.
Most traditional retirement advice focuses on chasing returns. But the real danger isn’t missing out on gains — it’s the hidden risks that can quietly erode your nest egg: market volatility, rising taxes, healthcare costs, and outliving your income.
The result: Many retirees are more exposed than they realize.
That’s why at Fieldstone Financial we created Risk-Based Retirement™ (RBRP) — a process designed to help families protect their retirement from the risks most advisors overlook.
Our Three-Legged Advisory Model
1. Tax Advisory - Protecting What You've Earned
1. Tax Advisory - Protecting What You've Earned
1. Tax Advisory - Protecting What You've Earned
Your personal tax picture drives every smart financial decision. We help you lower lifetime taxes and align income with efficiency using:
- Annual personal tax preparation and review
- Forward-looking tax planning and projections
- Roth conversion and bracket management
- Capital gain and loss coordination
- Tax-efficient withdrawal and charitable givin
Your personal tax picture drives every smart financial decision. We help you lower lifetime taxes and align income with efficiency using:
- Annual personal tax preparation and review
- Forward-looking tax planning and projections
- Roth conversion and bracket management
- Capital gain and loss coordination
- Tax-efficient withdrawal and charitable giving strategies
- Solo S-Corp and Schedule C optimization
Result: More control, less waste, and a clear understanding of what’s really yours to spend or save.
2. Risk Advisory - Protecting What You've Built
1. Tax Advisory - Protecting What You've Earned
1. Tax Advisory - Protecting What You've Earned
Markets change. Life changes. Your plan shouldn’t break when they do. We help identify and manage the risks that can derail even the best financial strategy:
- Risk-Based Retirement Planning™
- Insurance structure review and optimization
- Long-term care, disability, and survivorship planning
- Annuity-based income floor and longevity hedging
- Asset pr
Markets change. Life changes. Your plan shouldn’t break when they do. We help identify and manage the risks that can derail even the best financial strategy:
- Risk-Based Retirement Planning™
- Insurance structure review and optimization
- Long-term care, disability, and survivorship planning
- Annuity-based income floor and longevity hedging
- Asset protection and liability coordination
Result: Confidence that no matter what happens, your foundation holds.
3. Cash-Flow Advisory - From Plan to Reality
1. Tax Advisory - Protecting What You've Earned
3. Cash-Flow Advisory - From Plan to Reality
Cash flow is where your financial plan becomes tangible. Connecting tax efficiency, risk protection, and lifestyle.
- Retirement income sequencing (Social Security, pensions, annuities, RMDs)
- Withdrawal optimization across tax types (taxable, deferred, Roth)
- Capital gains and distribution planning for portfolios and real estate
- Integration of c
Cash flow is where your financial plan becomes tangible. Connecting tax efficiency, risk protection, and lifestyle.
- Retirement income sequencing (Social Security, pensions, annuities, RMDs)
- Withdrawal optimization across tax types (taxable, deferred, Roth)
- Capital gains and distribution planning for portfolios and real estate
- Integration of contractual and investment income
- Inflation and longevity modeling
- Sustainable spending frameworks reviewed annually
Result: A Retirement Cash Flow Blueprint™ showing how your income will really work: after taxes, after inflation, and with peace of mind.