- How much do I need to live comfortably throughout retirement?
- What tax implications should I be aware of as I transition into retirement?
- How can I protect my savings from market volatility and inflation?
- What type of insurance or coverage do I need—life, healthcare, or long-term care?
- When is the best time to begin taking Social Security benefits?
- What strategies can help me create reliable, sustainable income in retirement?
- Should I consider a Roth conversion—and would it push me into a higher tax bracket?
- What are the pros and cons of annuities—and are they right for me?
- How do I plan for longevity and make sure my savings last throughout retirement?
- Should I adjust my spending as I move through different stages of retirement?
- Do I need to update or create a will, trust, or overall estate plan?
- How should I plan for Required Minimum Distributions (RMDs)?
- If something happens to me, will my spouse be financially prepared and taken care of?
- How do I protect my assets from unexpected events or major health changes?
- How can I incorporate charitable giving or legacy goals into my plan?
Retirement Income Planning
The average retiree may need their income to last 25–30 years or more.
We help you turn your savings into predictable income designed to last a lifetime. This includes analyzing withdrawal strategies, coordinating Social Security and pension benefits, and balancing income needs with long-term sustainability.
Our goal: to help ensure your essential expenses are covered by reliable income sources — no matter what the markets do.
Women in Retirement
Women today face a distinct set of financial challenges — longer lifespans, career breaks, caregiving responsibilities, life transitions such as divorce or widowhood, managing the disposition of a marital estate, more conservative investing tendencies, and lower lifetime earnings that reduce savings and
Social Security benefits. And because women typically live 5–6 years longer than men, they require more income planning and healthcare planning to ensure long-term financial security. At the same time, women are managing more household decisions and controlling a growing share of the nation’s wealth.
At Edge Private Wealth, we provide the expert advice and ongoing guidance women need to make informed financial decisions. Our goal is to empower women with the knowledge, skills, and confidence to be independent and financially secure. Our mission is simple: to support women through personalized guidance, education, and thoughtful planning.
Investment Management
Historically, diversified portfolios have reduced volatility and improved long-term outcomes.
Your investment plan should evolve as your priorities shift from accumulation to preservation and income. We design portfolios that balance growth potential with downside protection, focusing on risk-adjusted returns that align with your goals, time horizon, risk tolerance and comfort level.
Tax Planning
Tax efficiency is a critical part of retirement success! Strategic tax planning can add years of income longevity — potentially improving after-tax returns by 1% or more annually. Allowing you to keep more of what you’ve earned and improve the longevity of your retirement assets. We coordinate your investment and withdrawal strategies to minimize tax exposure, optimize account sequencing (Roth, traditional, taxable), and help reduce unnecessary tax drag on your portfolio.Tax efficiency is a critical part of retirement success! Strategic tax planning can add years of income longevity — potentially improving after-tax returns by 1% or more annually. Allowing you to keep more of what you’ve earned and improve the longevity of your retirement assets. We coordinate with your accountant to ensure a seamless execution of your plan, to make better strategic tax and portfolio management decisions. For instance, we collaborate on your investments and withdrawal strategies to minimize tax exposure, optimize account sequencing (Roth, traditional, taxable), and help reduce unnecessary tax drag on your portfolio.
Social Security &
Pension Optimization
Claiming Social Security at the optimal time can increase lifetime benefits by up to 30%. Which can significantly impact your income in retirement. We analyze multiple claiming scenarios to determine the most effective strategy based on your income needs, health, and marital status to help maximize your benefits. For pension decisions, we help you evaluate lump-sum versus lifetime payout options to align with your broader retirement income plan.
Health Care &
Long-Term Care Planning
Health care expenses are one of the largest costs in retirement. The average 65-year-old couple may need $300,000 or more to cover health care costs in retirement (Fidelity, 2024). We help you plan for these expenses through Medicare coordination, supplemental coverage, and long-term care strategies that protect both your health and your wealth.
Estate & Legacy Planning
A strong retirement plan also considers what happens beyond your lifetime. Estate and legacy planning ensures your assets are passed on efficiently and according to your wishes. Proper estate planning can reduce transfer costs and simplify the distribution process for heirs. We work with your estate planning professionals to ensure your wealth is passed according to your wishes — efficiently and tax-effectively. From wills and trusts to charitable giving strategies, we help you define the legacy for a lasting impact.
Income Tax Planning
We believe in being proactive when it comes to tax planning. By partnering closely with your tax preparers, we connect thoughtful analysis with your personal financial goals—The result is a coordinated plan designed to reduce tax burdens and preserve the integrity of your long-term wealth strategy.
Risk Management &
Insurance Planning
Managing risk is just as important as managing returns and even the most comprehensive plan needs protection. Managing risk means protecting your income, assets, and loved ones from unexpected events. We evaluate your exposure to potential risks – such as life insurance, annuities, long term care and other protection strategies to help safeguard your financial future.
Cash Flow & Budgeting
Inflation can cut purchasing power nearly in half over a 25-year retirement.
Understanding your income and expenses is foundational to any retirement plan. We help you create a clear picture of your income, reserves and expenses — today and in the future. By modeling different inflation, market, and spending scenarios, we ensure your plan can adapt to life’s changes while maintaining your lifestyle and peace of mind.
Business Owner & Exit Planning
As a business owner, your company is often your most valuable asset—and transitioning out of it is one of the most significant financial decisions you’ll ever make. We help you plan that next chapter, from maximizing business value and minimizing taxes to aligning the sale or succession with your personal financial goals, our comprehensive approach ensures your wealth is positioned wisely—before, during, and after the transition. Whether you’re years away from an exit or ready to take the next step, we help you turn the business you’ve built into lasting financial freedom.
Lifestyle & Goals-Based Planning
Retirement is not the end of a career — it’s the beginning of a new chapter. We help you define what fulfillment looks like beyond work: travel, family, volunteering, hiking, golf, scuba diving or pursuing passions that you’ve postponed. Together, we’ll define what fulfillment looks like for you, and build a plan that supports your goals, values, and vision for a fulfilling and sustainable retirement.
Core Services:
We Provide For Our Clients
At Edge Private Wealth, every client we work with receives the full breadth of our investment management and retirement planning services — always included, never extra. From hands-on portfolio care to thoughtful retirement and tax planning, we’re with you every step of the way. We offer a broad range of services and an exceptional level of personal attention — ensuring every client feels supported, informed, and genuinely cared for.
