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.
If 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 devastate your plan. Passive "buy and hold" strategies leave you exposed.
Without a comprehensive plan that accounts for taxes, healthcare, inflation, and your actual lifestyle goals, it's impossible to answer this question with confidence.
Many advisors check the basics. But comprehensive retirement planning requires a deeper level of attention and expertise.
Most advisors ride out market drops. We actively manage your portfolio during downturns to help protect the savings you've spent a lifetime building.
The order and timing of your withdrawals from IRAs, Roth accounts, and taxable accounts can save (or cost) you tens of thousands in taxes over the course of retirement.
When you claim Social Security can mean a difference of over $100,000 in lifetime benefits. We analyze the timing strategy that maximizes your household income.
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.
A 401(k) rollover is one of the biggest financial decisions you'll make during a career transition. Roll it into the wrong account, take an unnecessary tax hit, or leave it sitting in a default fund, and it can cost you thousands over time. We help you evaluate your options (IRA rollover, Roth conversion, new employer plan, or staying put) and choose the path that fits your tax situation, timeline, and retirement goals.
Our Philosophy
At Sporos, we don't start with your portfolio. We start 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. No sales quotas. No corporate pressure. Just a father-son team focused entirely on your family's future.
A clear, straightforward path from where you are today to the retirement you deserve.
We start with a free 30-minute conversation to understand your goals, concerns, and current financial picture. No pressure, no obligation. 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.
Retirement isn't a one-time event. We review and adjust your plan regularly, actively manage your portfolio through market shifts, and remain available whenever you need us.
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.
Many advisors follow a passive "buy and hold" strategy, which means your portfolio simply rides out market downturns. We take a different approach. When markets show signs of significant decline, we actively adjust your portfolio to help reduce losses. This is especially important for retirees, because large drops in the early years of retirement can permanently damage your long-term financial security.
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. There is no rotating door of new faces. We serve roughly 100 families (compared to 200 or more at larger firms), so we know your name, your family, and your goals. As a fee-based fiduciary, we have no sales quotas and no corporate products to push. We combine institutional-grade strategies with the personal attention of a family practice.
Yes. Our discovery call is a free, 30-minute conversation with no obligation. 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. There's no follow-up pressure and no hard sell.
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Stop guessing. Start planning with a fiduciary team that will protect what you've built and help you enjoy the retirement you've earned.
Or call us directly: (949) 729-9994