You've worked hard to get here. Let's make sure the finish line looks the way you planned.
For professionals and small business owners approaching retirement, typically between ages 55 and 65, who want clarity, confidence, and a retirement plan they can actually count on.
Confidence starts with a clear plan.
You've spent decades building your career, raising your family, and saving along the way. Retirement is on the horizon, maybe five years out, maybe ten, and you want to know you're actually going to be okay.
But the closer it gets, the more questions you have. How much do you really need? When should you claim Social Security? What happens to your money when the market drops right before you retire? And what about taxes — are you doing everything you can to keep more of what you've earned?
You're not looking for someone to hand you a brochure. You want a real conversation with someone who understands where you are and can give you a clear picture of what comes next.
That's what we do.
How INT Wealth Planning Can Help
Retirement income planning
We help you think through how your money will work in retirement: what you draw from and when, how to help reduce sequence-of-returns risk, and how to pursue a plan that aims to last as long as you need it to.
Investment management
Your investments should be aligned with your plan, not reacting to headlines. We use a disciplined, long-term approach designed to pursue your goals while helping manage the anxiety that comes with market swings.
End-of-year tax planning
At INT, the plan comes first. Your investments, your savings strategy, your tax approach — all of it flows from a financial plan built around your goals, not a generic template.
Legacy and estate planning
Whether you want to leave something for your kids, give to a cause you care about, or simply make sure things are organized if something happens, we help you think through what you want and how to work toward it.
Social Security and Medicare guidance
When and how you claim Social Security matters. We walk through the timing decisions with you so you can make an informed choice for your situation.
INT Wealth Planning and LPL Financial are not endorsed by or affiliated with the U.S. Centers for Medicare and Medicaid Services or any government agency.
Insurance and protection review
Life insurance, long-term care, property and casualty: we help make sure you're covered in the areas that matter, without paying extra for what you don't need.
Your Most Common Questions
-
That's the question we hear most. We start by looking at your income, savings, timeline, and spending expectations to build a picture of where you actually stand. Most clients walk out of that first conversation with a much clearer sense of when they can retire.
-
More than most people think. Tax planning is one of the highest-value things we do for clients approaching retirement.
-
We plan for this. It's called sequence-of-returns risk, and managing it is built into how we structure your retirement income. The short version is, we don't put money you'll need in the next few years in a position where a market drop can derail your timeline.
-
It depends on your tax situation now versus what you expect in retirement. It's one of the first things we look at, and it's a regular part of our annual tax planning meetings.
-
Earlier isn't always better, and later isn't always possible. We walk through the tradeoffs based on your full financial picture.
-
Not necessarily. We'll talk through what makes sense for your situation.
-
If you have a CPA or estate planning attorney you trust, we want to work with them. We're always looking to build relationships with great professionals in the St. Louis area because when your entire team is coordinated around your plan, everyone benefits.