Simplifying your money, taxes, and legacy in one plan

Picture this:

You’re approaching retirement. Over the years you’ve built up a few 401(k)s, an IRA or two, a brokerage account, maybe some life insurance, and perhaps a pension. Each account feels important, but when you try to put them together, it starts to feel like a puzzle with too many pieces.

You might think:

“I should have this all figured out by now, but the more I look, the more confusing it gets.”

You’re not alone. Many people in this stage of life feel the same way.

Here’s how I help clients tackle this challenge:

1. See the big picture

   Consolidating old accounts can make it much easier to track what you have, understand your total savings, and identify opportunities to streamline investments.

   
   

2. Create a predictable retirement paycheck

   Coordinating Social Security, pensions, and retirement account withdrawals lets you plan steady monthly income while keeping taxes as low as possible. For example, spreading IRA withdrawals over multiple years can reduce total income taxes compared with taking a large lump sum.

   
   

3. Make tax-smart decisions

   Retirement accounts like Traditional IRAs and 401(k)s are taxed as ordinary income when you withdraw. Thoughtful strategies can help minimize taxes today and over the long term.

   
   

4. Protect your legacy

   Naming beneficiaries is just the start. How and when money is withdrawn can make a big difference for your heirs. Coordinating withdrawals and using strategies like Roth conversions or trusts can preserve more of your legacy.

   
   

5. Streamline investments

   Many people hold overlapping funds across accounts. Simplifying investments can reduce costs, lower risk, and make it easier to see whether your money is working toward your goals.

The bottom line:

Retirement doesn’t have to be overwhelming. With a coordinated plan, your finances, taxes, and estate planning can all work together, giving you clarity, confidence, and peace of mind.

If your financial life feels complicated, I’ll show you how to simplify it, make tax-smart choices, and protect your legacy step by step.

P.S. I’m actively helping clients right now combine all their accounts, coordinate income, and implement strategies that simplify retirement while managing taxes and preserving their estate. If your finances feel scattered, you don’t have to figure it out alone this is exactly what I do every day.

Any attachments are for informational purposes only. Investing involves risk. Principal loss is possible. Past performance is no guarantee of future success. It should not be assumed that the investment recommendations or decisions we make in the future will be profitable or will equal the investment performance discussed herein. Different funds will have different fees and expenses. An investor should consider the investment objectives, risks, charges, and expenses of a fund carefully before investing. The highest applicable fee GWA may charge is 1.5%.

Investment advisory services offered through Guardian Wealth Advisors D/B/A Finance Roadmap Planning, an investment advisor registered with the Securities and Exchange Commission. Registration does not imply a certain level of skill or training. More information about GWA’s investment advisory services can be found in its Form ADV Part 2 or Form CRS, which is available upon request. (GWA-25-89)