Retirement Planning for the Decisions Already in View
You may know retirement is financially possible. You may still be weighing when to stop working, how income would begin, or what could change after the paycheck ends.
Those decisions can affect one another. A retirement date may shape health coverage. A withdrawal choice may change taxes or how much remains available later.
Dovetail helps people nearing or living in retirement organize what is known and compare the choices in front of them. The planning also keeps future review points visible.
We provide fee-only financial planning and fiduciary investment management. Clients may meet with us in Wilmington, North Carolina, or Duluth, Georgia. We also work with clients virtually across the country.
Which Retirement Transition Is Closest to Yours?
Retirement planning changes as you move from preparing for retirement into living it. A move may bring another set of decisions into view.
Approaching Retirement
Compare possible retirement dates and see how income may begin. Review health coverage and any decisions that should be made before the paycheck stops.
Recently Retired
Compare actual spending and withdrawals with the assumptions made before retirement. Review tax withholding and any part of the plan that may need another look.
Relocating to Wilmington in Retirement
Consider how a move may change housing costs and healthcare access. Review what you want nearby and what should remain available after the move.
How Does Dovetail Organize Connected Retirement Decisions?
Crossroads
When several decisions are in view, Crossroads separates what needs attention now from what needs more information or can wait.
Connected Planning
Once the immediate decision is clear, Connected Planning shows what else it may affect. The review stays focused on the relationships that could change the choice.
Adaptive Planning
When life or the financial picture changes, Adaptive Planning identifies what changed. It also shows what still fits. The review then focuses on the parts that may need another look.
What Experience Supports the Work?
Dovetail's approach reflects more than 30 years of Ross Marino's work with people approaching and living in retirement. He taught Retirement Planning and Employee Benefits in the CFP® curriculum at UNC Wilmington. He also co-authored Shaping Change: How to Respond When Life Disrupts Your Retirement Plan.
Meet Ross and learn about Dovetail
Who Does Dovetail Work With?
Dovetail works with people nearing or living in retirement who have built substantial savings and investments. They want an advisor to understand what brought them here before moving into the numbers.
Some clients make decisions with a spouse or partner. Others make decisions on their own. The planning should reflect how each person wants to participate and who they want involved.
Explore Retirement Planning for Couples and Retirement Planning for Single Women.
Start With What Brought You Here
You do not need to organize every retirement decision before reaching out. Tell us what changed, what you are considering, or what you want help thinking through.
From there, we can decide whether a deeper conversation with Dovetail makes sense.
