Plan Your Retirement with Confidence
Retirement isn’t just about stopping work — it’s about knowing you can live the life you’ve envisioned without running out of money, overpaying in taxes, or leaving your legacy to chance.
At Vertical Wealth, we work with successful individuals nearing or in retirement to design structured, purpose-driven financial plans. Our approach is built around the Three-Pillar Retirement Framework — a system designed to deliver confidence, control, and clarity at every stage of your retirement journey.
The Three-Pillar Retirement Framework
Retirement success hinges on more than just investments. We believe it requires three integrated financial plans, each addressing a core part of your financial life.
Income
Growth
Tax
Income Plan
Your lifestyle shouldn’t be left to market ups and downs. We build a strategy to generate predictable, sustainable monthly income using a mix of Social Security, pension benefits, investment withdrawals, and other sources — all aligned to your real cost of living.
Growth Plan
You still need your money to grow — to fund big purchases, rising healthcare costs, or experiences you care about. We organize your investments using a “bucket strategy” that balances short-term liquidity with long-term growth and legacy planning.
Tax Plan
Taxes are often the silent threat to retirement wealth. We help you avoid common pitfalls like poorly timed RMDs and unnecessary capital gains, and structure your withdrawals, gifting, and estate plans in the most tax-efficient way possible.
What You Can Expect
- Financial peace of mind knowing your income is stable
- A flexible plan that adapts to your goals
- Tax-efficient withdrawals to help keep more of what you’ve earned
- A clear legacy plan designed to protect your family and your wishes
Ready to See What This Looks Like for You?
We offer a complimentary retirement planning session to help you understand how the Three-Pillar Framework could work for your unique situation. There’s no cost, no commitment — just a chance to get clear, experienced guidance.
Let’s design your retirement with structure, not guesswork.