Second Act Money
Services
Second-Act Energy
Your 50s and 60s aren’t a winding-down phase. They’re a redesign. We love working with people over 50 to build thoughtful retirement strategies, drawing on 25 years of experience and a straightforward, no-nonsense approach to growing and protecting wealth. And having some fun while we’re working togethr!
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Retirement Planning
We help you plan for a comfortable and secure retirement. We work to understand your lifestyle goals and the unique angles of your next phase.
- Personalized analysis of retirement expenses and income
- Choosing the right time to retire
- Guidance on stock options and RSUs: when to exercise or sell
- Tax-aware planning to reduce surprises and keep more of what you’ve earned
- Social Security and pension decisions
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Investment Management
We provide investment management designed for people age 50 and above who want to protect and grow their savings. Your investments should match your goals and comfort level with risk, as you enter new stages of life.
- Portfolio allocations tailored for your age and objectives
- Regular reviews to keep your plan on track
- Clear explanations of your investment options
- Focus on both growth and safety
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Tax Efficient Strategies
We help you keep more of what you’ve earned by making taxes part of the conversation, not an afterthought. Our focus is on smart strategies before and during retirement, so your short-term decisions support your long-term plans.
- Ideas to lower taxes on your retirement income
- Guidance for required minimum distributions
- Support with charitable giving or gifting plans
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Legacy and Estate Planning
We guide you through the process of passing on your assets according to your wishes. We listen to your hopes for your family and favorite causes, making it easier for you to leave a lasting impact.
Our estate planning services include:
- Help organizing your will and beneficiary designations
- Collaboration with your attorneys and accountants
- Steps to minimize family stress and confusion
Frequently Asked Questions
Comprehensive Planning for Mid-Career Through Retirement
$6,000 per year (billed annually, quarterly or monthly)
Whether you’re still earning, preparing to retire, or already there, the goal is the same: make smart decisions today so your money supports your life tomorrow.
We help you organize cash flow, investments, and taxes—and, as retirement approaches, turn savings into dependable income. The focus is on clarity, sustainability, and flexibility as your priorities evolve.
This includes:
- Goal-based planning for career transitions, retirement timing, and major life changes
- Investment and cash-flow oversight designed for long-term sustainability
- Retirement income planning, including Social Security, pensions, and withdrawals
- Tax-smart strategies such as Roth conversions and withdrawal sequencing
- Medicare, healthcare, and long-term care planning
- Scenario modeling for choices like downsizing, gifting, or retiring early
- Annual projections, ongoing access, and regular check-ins
- Coordination with your CPA or estate attorney, when needed
Not ready for ongoing planning? That’s okay.
Comprehensive planning is the best fit for many clients, but it’s not the only way to get help making big financial decisions.
If you’re navigating a specific question or transition, we can work together on a more limited scope. You’ll know exactly what’s included, what it costs, and what to expect. upfront.
Other ways we can work with you:
- Hourly advice: Get answers to specific questions, one hour at a time.
- Project plan: A limited scope roadmap for specific decisions.
- Wealth management: Ongoing guidance, regular check-ins, and managed investments as retirement approaches or begins.
Yes. We help you weigh the tradeoffs, not just the math, by looking at your benefits, your health, your income needs, and your bigger picture. The goal is to make a decision you feel good about, not just one that looks good on paper.
We start by understanding how you actually live: What you spend, what you earn, and what matters to you. From there, we build a clear, realistic plan designed to support your retirement for as long as you need it to last, so you can move forward with confidence instead of guesswork.
Your finances shouldn’t get more difficult to manage as life changes; they should become clearer. We help you stay organized, adjust your plan over time, and make thoughtful decisions so your money continues to support you through every stage ahead.
Absolutely. Healthcare is one of the biggest and most uncertain retirement expenses. We help you estimate future costs, understand Medicare and coverage options, and build those expenses into your plan so they don’t catch you off guard.