Our Services

Retirement Planning

Retirement shouldn’t be a guessing game. Whether you’re 10 years away or already there, we help you move forward with clarity and confidence.

Using our Redwood Retirement Framework — including our Spend, Grow, and Secure buckets — we turn your questions into a personalized plan you can trust.

• Get a clear picture of your current readiness and what steps will increase your success.
• Get straightforward answers to “Can I retire?” and “How much can I spend?”
• Turn your retirement savings into steady, reliable income.
• Align your portfolio to improve returns, manage risk, and support your goals.

Cash Flow Analysis & Retirement Income

Whether you’re working or retired, success starts with understanding how your money moves and how to make it last.

Our Redwood Retirement Framework funds your Spend Bucket to provide 1–3 years of expenses in safe, liquid assets—so the rest can be invested with confidence.

We coordinate income from Social Security, pensions, and rental properties, plus add value with strategies like covered call investing to boost cash flow without taking on excess risk.

• See exactly what you can spend now and in the future by locking in predictable income for the next 1-3 years.
• For those still working, implement emergency reserves, plan for big purchases, and put surplus cash to work.
• Access advanced income tools like covered calls.
• Fund big projects or emergencies without derailing your goals.
• Free your other assets to grow with a secure Spend Bucket.

Investment Management

Investing should be simple, purposeful, and built around your goals. We design portfolios for you—not Wall Street.

We focus on high-quality stocks, strategic ETFs, Treasuries, municipal bonds, and money markets, with selective opportunities in innovation. Portfolios are reviewed and rebalanced annually to stay aligned with your goals, manage risk, and reduce taxes.

• Every investment is tied to your goals, timeline, and comfort with risk.
• Annual rebalancing keeps your portfolio aligned with your plan and tax strategy.
• Transparent, fiduciary advice without hidden fees puts your best interests first.

Tax Strategies

Taxes can quietly chip away at your wealth. Using the Redwood Retirement Framework, we integrate tax-smart planning into every step—so your Spend, Grow, and Secure buckets work harder for you.

From timing income streams to optimizing where assets are held, every move is made with your lifetime tax bill in mind.

• Coordinate pension, Social Security, RMDs, and investment withdrawals to reduce your tax burden.
• Use strategies like asset location, tax-loss harvesting, and direct indexing to keep more in your pocket.
• Give strategically to benefit both the causes you care about and your tax return.
• Explore Roth conversions and other strategies to lower future taxes.

Legacy Planning

We help you ensure your wealth supports the people and causes you care about, both now and for generations to come.

Working alongside your estate attorney and other professionals, we’ll align your legacy plan to reflect the values that matter most to you.

• Pass down assets in a way that minimizes taxes and maximizes benefit for your loved ones.
• Support causes close to your heart with smart, tax-efficient giving strategies.
• Provide your partner with a clear plan to manage finances confidently when you’re no longer around.