Retirement Planning
Fee-based fiduciary planning designed to protect what you've built, optimize your income, and give you a retirement you can actually enjoy.
Explore My OptionsIf any of these sound familiar, you're not alone. These are the concerns we hear most from the families we serve.
You've saved for decades. But without a clear income strategy, it's hard to know if your money will last through 25 or 30 years of retirement.
A major downturn in your final working years (or first years of retirement) can do lasting damage when the bills depend on selling investments.
Without a comprehensive plan that accounts for taxes, healthcare, inflation, and your actual lifestyle goals, it's impossible to answer this question with confidence.
Comprehensive retirement planning goes past the basics. These are the pieces we build into every plan.
Social Security and any pension cover part of your monthly need. We build a protected floor for the gap first, designed so essential bills don't have to rely on selling investments in a down market.
The order and timing of your withdrawals from individual retirement accounts (IRAs), Roth accounts, and taxable accounts decide how much of every withdrawal you keep after tax, year after year.
When you claim sets your monthly check for life. We model each claiming age side by side for your household.
Your retirement plan should work hand-in-hand with your estate plan. We coordinate beneficiary designations, trusts, and generational wealth transfer so nothing falls through the cracks.
Rollover services, with the pros and cons of all 4 rollover options: leave it in the old plan, move it to a new employer's plan, roll it to an IRA, or take a distribution. We compare the costs, taxes and timing of each and help you choose the path that fits your tax situation, timeline, and retirement goals.
Discuss Your Rollover OptionsOur Philosophy
At Sporos, every plan starts with your life. What does a fulfilling retirement look like for you? Where do you want to live? How do you want to spend your time? What do you want to leave behind for your family?
Once we understand the life you want, we build the financial plan to support it. That means stress-testing your income against market downturns, inflation, healthcare costs, and unexpected expenses. It means building in flexibility so your plan adapts as your life does.
As your fiduciary, we are legally obligated to act in your best interest. You work with both of us, a father-son team focused on your family's plan.
Explore My Options
A clear, straightforward path from where you are today to the retirement you deserve.
We start with a 30-minute conversation to understand your goals, concerns, and current financial picture. Just an honest look at where you stand.
We build a personalized retirement roadmap covering income projections, tax strategy, Social Security timing, investment allocation, healthcare planning, and estate coordination.
We review and adjust your plan every year, and you have direct text and email between meetings. If you choose wealth management, we also manage your portfolio through market shifts.
Answers to the questions we hear most from families approaching retirement.
The answer depends on your desired lifestyle, expected expenses, healthcare costs, Social Security benefits, and how long your retirement may last. During our discovery call, we can do a preliminary assessment. Then, if we work together, we build a detailed projection that stress-tests your plan against inflation, market downturns, and unexpected expenses so you can see exactly where you stand.
We start with the income. Social Security and any pension cover part of your monthly need. We build a protected floor for the gap first, designed so essential bills don't have to rely on selling investments in a down market. This matters most in the first years of retirement, when large losses combined with withdrawals can do lasting damage. No strategy prevents losses, so we plan for them.
Ideally, 10 to 15 years before your target retirement date. This gives you time to optimize contributions, adjust your investment strategy, plan for tax-efficient withdrawals, and make course corrections. That said, it's never too late. Even if retirement is a year or two away, a solid plan can make a meaningful difference in your financial security and peace of mind.
We are a father-son team, which means you work with the same two advisors for the long term. We're selective about who we bring on, so we know your name, your family, and your goals. We combine institutional-grade strategies with the personal attention of a family practice.
Our discovery call is a 30-minute conversation. We'll listen to your goals, ask about your current situation, and give you an honest assessment of whether we can help. If we're not the right fit, we'll tell you.
Take our free 3-minute quiz. Answer 7 questions and get a personalized retirement readiness score with specific next steps.
Take the Retirement Readiness QuizFree. No login required. Results in under 3 minutes.
Stop guessing. Start planning with a fiduciary team that helps protect what you've built and helps you enjoy the retirement you've earned.
Explore My OptionsOr call us directly: (949) 729-9994
