My Services | Planning With Christiaan
Retirement Planning Investment Management Tax Planning Estate Planning Wealth Management Risk Management

Retirement Planning

Retire with confidence, knowing you have a plan designed to support the lifestyle you've always envisioned.

What I'll Help You With:

  • Determine how much you need to retire comfortably
  • Calculate your optimal retirement age
  • Maximize Social Security benefits timing
  • Develop income distribution strategies
  • Plan for healthcare and long-term care costs
  • Coordinate pension and retirement account withdrawals
  • Create sustainable withdrawal strategies
  • Adjust plans as markets and life circumstances change

Ready to Build Your Retirement Plan?

Let's discuss your retirement goals and create a strategy to get you there.

Schedule Consultation

Who Benefits Most

  • Pre-retirees within 10 years of retirement
  • Recent retirees transitioning to income distribution
  • Anyone concerned about outliving their savings
  • Individuals with complex retirement assets (pensions, 401(k)s, IRAs)

Common Concerns I Address

  • "Will I have enough to retire?"
  • "When should I claim Social Security?"
  • "How do I create retirement income?"
  • "What if I live longer than expected?"

Investment Management

Build and protect your wealth with investment strategies tailored to your goals, timeline, and risk tolerance.

My Investment Approach:

  • Comprehensive analysis of your current portfolio
  • Custom asset allocation aligned with your goals
  • Diversified portfolios to manage risk
  • Tax-efficient investment strategies
  • Regular portfolio rebalancing
  • Performance monitoring and reporting
  • Cost-effective investment solutions
  • Ongoing strategy adjustments as needed

Investment Philosophy

I believe in evidence-based investing that focuses on the factors you can control: asset allocation, diversification, costs, and taxes. Rather than trying to time the market or pick "winning" stocks, I build portfolios designed to capture market returns while managing risk appropriately for your situation.

Want to Review Your Investment Strategy?

Schedule a portfolio review to see how your investments align with your goals.

Request Portfolio Review

Investment Services Include

  • Portfolio design and construction
  • Asset allocation planning
  • Investment policy statement creation
  • Manager selection and due diligence
  • Performance reporting
  • Risk management

Fiduciary Standard

As your fiduciary, I'm legally and ethically bound to put your interests first. Every recommendation is made with your best interests in mind—not commissions or sales quotas.

Tax Planning

Strategic tax planning can save you thousands of dollars and help you keep more of what you earn.

Tax-Smart Strategies:

  • Tax-efficient investment account structuring
  • Roth conversion analysis and planning
  • Tax-loss harvesting strategies
  • Charitable giving optimization
  • Required Minimum Distribution (RMD) planning
  • Business owner tax strategies
  • Multi-state tax planning for retirees
  • Coordination with your CPA or tax preparer

Why Tax Planning Matters

Most people focus only on tax preparation—looking backward at what happened last year. Tax planning looks forward, helping you make strategic decisions throughout the year that can reduce your tax burden legally and ethically. The difference can mean tens of thousands of dollars over your lifetime.

Reduce Your Tax Burden

Let's explore strategies to help you pay less in taxes and keep more for your future.

Schedule Tax Review

Common Tax Opportunities

  • Maximizing retirement account contributions
  • Timing of income and deductions
  • Asset location optimization
  • Healthcare FSA/HSA planning
  • Capital gains management

Note on Tax Preparation

I provide tax planning strategies but don't prepare tax returns. I work collaboratively with your CPA or tax preparer to ensure comprehensive tax efficiency.

Estate Planning

Protect your legacy and ensure your wishes are carried out while minimizing taxes and complications for your loved ones.

Estate Planning Services:

  • Comprehensive estate planning strategy
  • Beneficiary designation review and optimization
  • Trust planning and coordination
  • Estate tax minimization strategies
  • Gifting strategies for wealth transfer
  • Charitable legacy planning
  • Business succession planning
  • Coordination with estate attorneys

More Than Just Documents

Estate planning isn't just about wills and trusts—it's about ensuring your financial legacy is protected and your wishes are honored. I help you coordinate all aspects of your estate plan with your overall financial strategy, working alongside your attorney to create a comprehensive plan.

Important Estate Planning Considerations

  • Have you reviewed your beneficiaries recently?
  • Are your assets titled correctly?
  • Do you have proper powers of attorney?
  • Have you considered long-term care planning?
  • Is your estate plan coordinated with your financial plan?

Protect Your Legacy

Let's ensure your estate plan reflects your wishes and protects your loved ones.

Get Started

Who Needs Estate Planning?

  • Anyone with assets to protect
  • Parents with minor children
  • Business owners
  • High-net-worth individuals
  • Anyone who wants control over their legacy

Working With Your Attorney

I collaborate with your estate attorney to ensure your financial and legal plans work together seamlessly. Don't have an estate attorney? I can provide referrals to trusted professionals.

Wealth Management

Comprehensive wealth management for individuals and families seeking an integrated approach to all aspects of their financial lives.

Holistic Wealth Management:

  • Comprehensive financial planning
  • Investment portfolio management
  • Cash flow and budgeting analysis
  • Debt management strategies
  • Education funding planning (529 plans, etc.)
  • Major purchase planning
  • Philanthropic planning
  • Multi-generational wealth transfer

The Wealth Management Difference

Wealth management goes beyond investment management to address every aspect of your financial life. It's about coordinating all your financial decisions to work together toward your goals, with regular reviews and adjustments as your life evolves.

Experience Comprehensive Wealth Management

Discover how an integrated approach can simplify your finances and accelerate your progress.

Learn More

Ideal For:

  • High-net-worth individuals and families
  • Business owners and executives
  • Those with complex financial situations
  • Anyone seeking comprehensive financial guidance

What's Included

  • Quarterly portfolio reviews
  • Annual financial plan updates
  • Unlimited consultations
  • Coordination with other advisors
  • 24/7 online account access

Risk Management & Insurance Planning

Protect what you've built with appropriate insurance coverage and risk management strategies.

Risk Protection Services:

  • Life insurance needs analysis
  • Disability insurance evaluation
  • Long-term care planning
  • Property and casualty review
  • Liability protection strategies
  • Business insurance coordination
  • Policy review and optimization
  • Coverage gap identification

Protecting Your Financial Plan

A solid financial plan can be derailed by unexpected events—illness, disability, premature death, or lawsuits. Risk management ensures you have appropriate protection without over-insuring or paying for coverage you don't need.

Review Your Risk Protection

Let's ensure you have the right coverage to protect your family and financial plan.

Schedule Review

Common Insurance Gaps

  • Inadequate life insurance coverage
  • Missing disability protection
  • No long-term care planning
  • Insufficient liability coverage
  • Outdated policy beneficiaries

Independent Advice

I provide unbiased insurance analysis and can work with your existing policies or help you find appropriate coverage through reputable providers.

Let's Create Your Personalized Financial Strategy

Every client's situation is unique. Schedule a complimentary consultation to discuss which services are right for you and how I can work with you to achieve your financial goals.

Schedule Your Free Consultation

No obligation. No pressure. Just honest conversation about your financial future.