Plan Your Retirement With a Fee-Only Fiduciary
You have spent decades building your savings. Retirement planning is about the harder question: how do you turn what you have built into income that lasts, in one of the most expensive places in the country to retire?
Whether you are a New York professional planning to retire in the next five years, recently retired, or simply unsure whether your savings will be enough, we help you replace uncertainty with a clear, written plan. As a fee-only fiduciary, we are paid only by you. We earn nothing from the investments, rollovers, or insurance decisions we recommend, so every recommendation has one purpose: helping you retire on your terms.
See how we work with [pre-retirees and retirees], or if your business is your retirement plan, start with our guidance for [business owners].
Turning Savings Into Reliable Retirement Income
The shift from saving to spending is the biggest financial transition most people ever make. We build a retirement income strategy that maps your essential expenses to dependable income sources, then structures the rest of your portfolio for growth and flexibility. You will know which accounts to draw from first, how much you can comfortably spend, and how your plan adapts if markets or life change.
When Should You Claim Social Security?
Claiming at the wrong time can leave meaningful money on the table over a long retirement. We analyze your claiming options in the context of your full picture: your other income, your spouse's benefits, survivor protection, taxes, and your health and longevity outlook. The right answer is different for every household, and we show you the tradeoffs in plain numbers before you decide.
Tax-Smart Withdrawals and Roth Conversions
Which account you tap, and in what order, can change how much of your savings you actually keep. We coordinate withdrawals across taxable, tax-deferred, and Roth accounts, identify the windows where Roth conversions make sense, and plan ahead for required minimum distributions instead of reacting to them. Because we plan with New York State and New York City taxes in mind, the strategy fits where you actually live. Learn more about our year-round [tax planning].
Healthcare and Long-Term Care Costs
Healthcare is one of the largest and least predictable retirement expenses, especially if you retire before Medicare eligibility at 65. We help you plan for the bridge years, understand your Medicare choices, and face the real cost of long-term care in New York before it becomes an emergency decision. Because we do not sell insurance products, our analysis of your coverage is independent. See our approach to [risk management and insurance analysis].
Investing Through Retirement, Not Just Until It
Retirement can last 30 years or more, so your portfolio still has work to do. We reposition your investments for the transition, managing the risk that early market losses pose to a new retiree while keeping enough growth to outpace inflation. Your assets are held at Schwab or Altruist, independent custodians, in your name. We manage the strategy; we never hold your money. Read about our [investment management] approach.
Why Retire With a Fee-Only Fiduciary
Retirement is when the difference between advice and sales matters most. Rollovers, annuities, and insurance products all pay commissions to the people who recommend them. We accept none of them. Nevis Equity Advisors is an independent RIA held to a fiduciary standard, which means we are legally obligated to put your interests first, and our fee-only structure means we have no incentive to do anything else. You get advice from a firm with more than 30 years of investment experience, with nothing to sell you but a clear plan. [Meet Patrick Keane], or see our [FAQ] for how fees and custody work.
Get acquainted.
See your picture clearly.
Decide with confidence.
Retirement Planning FAQs
Retire With a Plan, Not a Guess
One conversation can tell you where you stand. Schedule your complimentary retirement readiness conversation today.