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Financial Planning

Retirees & Pre-retirees
Retirement isn't one decision. 

It's hundreds of them.
There’s a new question almost every year. Can you retire when you want? Will the money last? How do you turn savings into income without a tax surprise?

Whether retirement is on the horizon, or you’ve already arrived, TMG helps you answer every question with confidence. We’ll connect your investments, tax strategy, and estate planning in one financial plan, so you can focus on what matters most.
The TMG Difference
Why-powered, team-backed.
That’s the TMG difference.
In retirement, one advisor isn't enough. So you don't get just one.

The decisions that define your retirement don't happen in isolation. When you claim Social Security changes your tax bill. How you withdraw affects your estate. A Roth conversion this year shapes your RMDs a decade from now. These pieces move together, and they should be handled by people who work together.

That's the TMG model. You get a single point of contact who knows you, backed by a dedicated team of specialists who know their craft.
In-house CPAs and tax professionals
Retirement is a tax event that lasts thirty years. Our strategists plan for it proactively, not just in April.
Retirement income and investment specialists
Portfolios built for the years you spend your money, not just the years you save it.
Estate planning coordination
We work alongside estate attorneys so your plan protects your legacy, not just your balance sheet.
Services
Financial planning
We build customized strategies to help you address  current blind spots and achieve your unique financial goals with confidence.
We’ll inventory your balance sheet, cash flows, insurance needs, tax documents and estate plans, and create a dynamic financial framework that grows with you, while annual performance reviews help ensure your plan stays on track.
Retirement planning
Risk mitigation
Debt management
Budget and cash flow
Investment management
We use in-depth research to craft low-cost, tailored portfolios that match your risk tolerance, whether you’re focused on income or growth.
Our investment models adapt to your lifestyle and market changes, and we regularly review fees, performance, and volatility to keep you on track toward retirement goals.
Income generation
Risk-based portfolios
Fund governance
Fiduciary duty
Tax strategy
Our expert in-house CPAs and tax professionals help reduce long-term tax liabilities through cash flow modeling and in-depth tax return reviews. We leverage our deep understanding of your corporate benefits to reduce taxes effectively, and specialize in stock option optimization and tax loss harvesting.
As your portfolio generates income alongside pensions, Social Security, and other sources, we coordinate distributions and tax withholdings to simplify and streamline your retirement income strategy.
Income tax reduction
Benefits optimization
Tax-loss harvesting
Stock option exercises
Estate planning
We develop estate plans based on your unique goals and a comprehensive knowledge of your financial situation and available benefits.
Our CPAs and tax professionals work together with estate planning attorneys to create a plan that aligns with your wishes and minimizes tax impacts, as saving on income tax during retirement could impact your beneficiaries in the future. We help ensure minimal tax liability while maximizing your legacy.
Power of attorney
Tax minimization
Wills and trusts
Asset protection
Start with a free financial consultation.