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Retirement Planning

Whether you’re approaching retirement or already enjoying financial independence, Capital Advantage will help you craft a plan designed to make your retirement a time of personal growth and opportunity—balancing your immediate financial needs with your goals for the future.

Approaching Retirement

Focused on your dreams for the future

We review the current assets and income that you’ve earmarked for retirement, then help you to determine an appropriate savings strategy after applying various inflation, tax, and investment return projections.

The end result is that you have a goal-driven plan of action to help ensure that you achieve financial independence when you want. As the economic environment changes, we’ll work with you to make sure that your action plan stays focused on your future. Start planning for the future and download our free Retirement Expenses Worksheet.

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Already Enjoying Retirement

Stay on track for retirement success

An effective retirement plan can help ensure that you won’t outlive your retirement income, and takes into consideration factors such as inflation, taxes, investment performance, and appropriate withdrawals.

Part of our process is to help you analyze your assets and sources of income, and then plan ongoing savings and withdrawal strategies that will make your money last—in essence, we’ll help you to create a paycheck from your portfolio fit for your lifestyle.

Personalized Retirement Planning

Look forward to retirement with confidence

The key to a successful retirement is to have a personalized retirement plan that has been carefully tailored to your unique financial needs and goals. A plan can provide a clear picture of your financial future and help you determine what decisions you need to make to keep it on track.

As your personal financial advisor, we’ll remain available to address changes in your life so that your financial plan can be adjusted and remain consistent with your current situation and goals.

Retirement income planning

Managing the transition from employment income to retirement income can feel like an overwhelming task. We’ll review your sources of retirement income and develop a clear plan for your income needs and future goals.

Investment strategy and asset allocation

For many retirees, a significant portion of their retirement income will come from their investment portfolio. We’ll develop a proper asset allocation for your portfolio with consideration of your risk tolerance, cash flow needs, time horizon, and return requirements.

Tax-smart withdrawals

We’ll determine a safe, tax-smart withdrawal strategy to help make your retirement funds last and allow you to enjoy your retirement. We regularly review your plan, adjusting as needed to meet your needs.

Ongoing planning

The economic environment is continually changing, and we know that your financial goals or tolerance for market risk may change as well. The cornerstone of our investment strategy is our belief that our job is never done.

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Sample Retirement Plan

Building your financial blueprint for retirement

Each personalized retirement plan provides a comprehensive overview of your current financial situation, modeling of where you want to be, and recommended actions to take to achieve these goals.

Why Capital Advantage?

A Dedicated Team Who Listens to You

We take time to truly listen–to get to know you–and understand your unique financial objectives before developing your individual financial plan.

Excellence in Customer Service

It is vital to our business that you are not only listened to but feel valued and important after every single interaction you have with us. We’re always just a phone call away.

40+ Years of Expertise

With over 40 years in Lamorinda (Lafayette, Moraga, Orinda) we have deep roots in our community and seek to become lifetime partners for our clients, their children, and even their grandchildren.

Client Success Story

How we helped a busy professional couple create a plan for retirement success

Nancie and Mark (ages 60 and 62) are high-income earning, busy professionals with jobs they enjoy. Retirement suddenly seems to be a not-so-distant reality, and they’re finally ready to focus on formalizing their future plans, but they don’t know where to start…

Are You On Track for a Successful Retirement?

Retirement planning can be complex, and mistakes can take a bite out of your hard-earned retirement funds. If you want to make sure that you are on track for a successful retirement, schedule a no-cost, no-obligation meeting with one of our financial advisors.

Frequently Asked Questions


I’m 55; is it too late for retirement planning?

It is never too late to start retirement planning.

While you’ll put yourself in the best position if you start planning for retirement early on, we understand that life gets busy, the years go by, and suddenly retirement seems like a close reality. There are still many important decisions to be made that can affect your financial security in retirement: When can I afford to retire? When should I start taking Social Security? Is my money invested wisely? A retirement plan can help you make decisions that will help put you on the path towards retirement success.


Will you personalize my investment strategy and create a financial plan for my unique needs and goals?

Yes, your unique financial goals are at the core of everything we do.

At Capital Advantage, we take the time to build meaningful personal relationships—the end result being that together, we can develop a financial strategy unique to your life, your family, and your goals.

Our investment strategy is designed to manage and make the most of your wealth in the current economic environment through fundamental research, disciplined valuation techniques, and a long-term focus—and is always motivated by your financial objectives.


I’m already retired, so why do I need a retirement plan?

Having a personalized retirement plan can clarify your financial situation, give you peace of mind, and better position you for a successful retirement. In retirement, there are key financial issues–taxes, withdrawal rate, inflation, and market volatility–that need to be managed to protect your nest egg. A plan will help provide a clear understanding of your financial future.


What services are included in your fee?

Our transparent fee includes the management of your investment accounts and ongoing financial planning, which includes these expanded areas of expertise:

  • Retirement Planning
  • Education Planning
  • Estate Plan Guidance
  • Investment Tax Planning
  • Risk Management Planning
  • Charitable Gift Planning
  • Inheritance/Windfall Planning

Please Note: Limitations. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Capital Advantage) or any planning or consulting services, will be profitable, equal any historical performance level(s), or prove successful. Please Also Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Capital Advantage does not serve as an attorney, accountant, or insurance agent. Capital Advantage does not prepare legal documents or tax returns, nor does it sell insurance products.