Retirement & Estate Planning in Contra Costa County.
Retirement and estate planning aren't just for people nearing 65. The moves you make in your 30s, 40s, and 50s often matter more. We help you build a tax-efficient retirement strategy and coordinate the estate documents that keep it all working for the next generation.
Who this is for
- Professionals and business owners in their peak earning years
- Pre-retirees looking at Social Security, Medicare, and withdrawal timing
- Retirees managing RMDs and Roth conversions
- Families coordinating estates across parents, spouses, and children
What's included
- Retirement-account strategy: 401(k), IRA, Roth, SEP, Solo 401(k)
- Business-owner retirement plans (SEP, SIMPLE, Cash Balance)
- Roth-conversion analysis and multi-year projections
- Required Minimum Distribution (RMD) planning
- Beneficiary review across all accounts
- Coordination with estate attorneys on wills, trusts, and gifting
- Multi-generation tax planning
How it works
- 01Retirement projection
We model your income sources, savings, and lifestyle needs across the next 20–30 years.
- 02Account strategy
We optimize which accounts to fund now and which to draw from later.
- 03Estate coordination
We work with your estate attorney to align beneficiaries, trusts, and gifting strategy with the tax plan.
- 04Annual refresh
Every year we revisit projections, RMDs, and any life-event changes.
Why clients choose us
- Retirement plan that considers taxes, not just returns
- Coordinated with your estate attorney and investment advisor
- Multi-generation view — parents, spouse, and children in one plan
- Roth-conversion analysis you can actually understand
Frequently asked questions
Let's find the strategy your last accountant missed.
Request a free consultation. We'll review your situation, point out what we'd do differently, and give you a clear, transparent quote — no pressure, no jargon.