Retirement Made Strategic

Retirement isn’t just about spending down accounts — it’s about coordinating income, taxes, assets, and timing.

We work with clients who want to reduce unnecessary taxes, structure withdrawals wisely, plan for healthcare and longevity, and align everything they’ve built with how they want to live now.

From Social Security to RMDs, real estate to gifting strategies — we bring clarity to the decisions that matter most.

You’ve done the hard part.
Now it’s time to make it all work, on your terms.

Discover the ways we can help Get in touch

Explore services

Financial guidance to help you live in retirement the way you’ve always dreamed of.

Expert planning to help you determine your retirement income strategy
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Guidance about when to start Social Security and how to maximize benefits
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Tax-efficient wealth transfer strategies that honor your intentions
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Smart strategies to make your wealth last a lifetime and beyond
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Thoughtful planning for healthcare needs and long-term care considerations
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Preserve your standard of living smartly for decades to come
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Three considerations in retirement

It’s common to have questions swirling as you plan for retirement. Take comfort knowing we can help you decide when to start tapping social security, how much you should allocate for healthcare as you age, and how you can leave a legacy that honors your story. We’re by your side through it all.

Are you prepared for longevity?

Your retirement might last three decades or more, so it’s crucial to take a long and fulfilling life into account when you create your financial plan. Our knowledgeable team can help guide you in exploring the possibilities.

Milestones

Honeymoon phase

You’re finally free to pursue your passions and check items off your bucket list. We can help you:

  • Plan to pursue lifelong goals, including travel and charitable endeavors
  • Project healthcare costs and consider Medicare and long-term care coverage options
  • Make the most of your income streams, such as Social Security

Reflection phase

Life has settled into a peaceful rhythm as you enjoy memorable moments in time. We can help you:

  • Update your estate plan and check beneficiaries
  • Set up a tax-efficient wealth transfer strategy
  • Have meaningful legacy planning conversations with your family

Turning point phase

As the honeymoon ends, a clearer vision of the rest of your life begins. We can help you:

  • Review housing options – aging in place versus downsizing
  • Create a dynamic, efficient budget for healthcare costs
  • Consider other longevity concerns as part of your financial plan

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We can help you pursue a retirement filled with passion and purpose.

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So, if you’re wondering ‘Am I there yet?’ We can help you figure out what your Work Optional / Financially Independent point is and how we can help you remain in that zone. Contact us for a complimentary consultation.

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Investment advisory services offered through Raymond James Financial Services Advisors, Inc.. Vivian Investment Partners is not a registered broker/dealer and is independent of Raymond James Financial Services.

While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

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