For Pre-Retirees (55–70)
The decade around retirement holds some of the largest financial decisions of your life — when to claim Social Security, how to handle Medicare, and how to turn savings into income that lasts. We help you get them right.
We start by understanding your specific situation — then coordinate the right mix of protection, planning, tax, and strategy so the pieces actually work together. No product pushed before a plan is built.
Start a conversationHow We Help
A clear strategy for which accounts to draw, in what order, to make your money last.
Wealth AdvisoryFrame one of your biggest decisions with the trade-offs laid out side by side.
Wealth AdvisoryParts A–D, the enrollment windows that matter, and avoiding lifelong penalties.
Insurance AdvisoryTools that can provide guaranteed lifetime income, where suitable for you.
Insurance AdvisoryCoordinate Roth conversions and distributions to manage your lifetime tax bill.
Tax AdvisoryMake sure what's left passes the way you intend, with less friction.
Wealth AdvisoryLearn First
Our flagship evening — "Your Mind and Your Money" — co-hosted with Activate Brain & Body, pairs cognitive health with financial health. We also run focused sessions on the Social Security decision and on Medicare enrollment.
See all seminars"The right plan starts by understanding the specific pressures of your work — not by reaching for a product."
The Lithos approachQuestions
There's no single right answer — it depends on your health, your other income, your marital situation, and your goals. For many married couples, the timing of the higher earner's benefit has an outsized, lasting effect. We lay out the trade-offs clearly so you can decide with your eyes open.
Missing certain enrollment windows can trigger penalties that follow you for life, plus gaps in coverage. The rules aren't intuitive, which is exactly why we walk people through the specific dates and choices that apply to their situation.
By building an income plan, not just an investment account — looking at your spending, guaranteed income sources, longevity, and taxes together. Where appropriate, tools that provide guaranteed lifetime income can take some of the uncertainty off the table.
A conversation costs nothing and clarifies everything. Tell us where you are, and we'll show you what coordinated, layered planning can look like.
