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Retirement Planning

Comprehensive Retirement Planning Tailored to You

At HighPass Asset Management, we specialize in retirement planning that goes beyond numbers. Our approach combines personalized financial planning with smart investment strategies to help you retire with confidence—and stay retired comfortably.

Retirement plan with calculator, glasses, and glass jars with dollars on top of it

Retirement Planning: More Than Just a Number

Effective retirement planning isn’t just about reaching a number. It’s about creating a roadmap that aligns with your lifestyle, goals, and legacy. Whether you’re five years from retirement or already enjoying it, our expert advisors are here to help you plan wisely and adapt as life changes.

Customized Retirement Planning Strategies

Our detailed retirement planning process begins with understanding your complete financial picture, including income, expenses, goals, timeline, and comfort level with risk. From there, we design a plan that can evolve with you.

We help you:

  • Target a minimum 70% probability of retirement success, with strategies to improve outcomes as needed.
  • Manage key variables such as savings rate, withdrawal strategy, income levels, and tax efficiency.
  • Determine the optimal age to begin Social Security benefits.
  • Anticipate health care and long-term care expenses in retirement.
  • Choose the right asset allocation to balance growth and preservation.
  • Understand how much income your assets can realistically generate in retirement.
  • Build a sustainable retirement spending plan.
  • Avoid common pitfalls that erode retirement savings.
a financial planning list
graph of investment going up

Investment Management for Retirement

Retirement planning and investment management go hand in hand. We create custom portfolios aligned with your retirement goals, risk tolerance, and time horizon. Our retirement portfolios are built to weather market fluctuations while supporting your long-term income needs.

We also consider:

  • Tax-efficient investing
  • Risk mitigation and insurance strategies
  • Roth conversions and other tax planning tools
  • How to rebalance over time to preserve capital
  • Strategic withdrawal sequencing to minimize tax liability

Estate & Legacy Considerations

Your retirement planning should include what comes after. We advise on estate planning strategies that reflect your values and goals, including:

  • Proper asset titling and trust funding
  • Charitable giving strategies
  • Intergenerational wealth transfers

Coordination with your attorney or estate planner

Happy family of three generations who successfully invested their finances as a result of good retirement planning
Two blue chairs sitting on the beach to symbolize retirement

What Makes Our Retirement Planning Unique?

Unlike many financial advisors, we act as fee-only fiduciaries. That means the retirement planning advice we provide is always in your best interest, not influenced by commissions or product sales. Whether your goal is to retire early, travel extensively, or leave a legacy, our focus is on helping you make informed, confident decisions.

Let’s Talk About Your Retirement Plan

Retirement planning doesn’t need to be overwhelming. If you have questions about your current strategy or want a second opinion on your retirement investments, we’re here to help.

Contact us today to schedule a free retirement planning consultation.

How Long Does $1 Million Really Last in Retirement?

How long will your money last? What asset allocation should you use? What spending rate should you use? How should you invest during retirement? Check out our expert advice in this video.