Retirement Your Way

At Convergence Wealth, we know that retirement doesn’t look the same for everyone, and that’s exactly how it should be. For some, retirement means stepping away completely and enjoying the freedom they’ve earned. For others, it’s about reaching a point where work becomes optional, not mandatory. Some clients want to travel or make meaningful purchases. Others simply want more time with family. Some have spent decades saving, while others reach this stage through the sale of a business. We believe your definition of retirement matters far more than anyone else’s.

That definition shapes everything we do from how we plan to how we invest. A “retirement number” isn’t universal; it depends on what life looks like when you get there. That’s why we spend the time to listen carefully, build clarity around your goals, and then construct a strategy that fits the future you envision. We focus on balancing accessibility with growth, flexibility with discipline, and confidence with reality. Whether that means creating sustainable income, managing taxes, or planning for legacy, every piece of your retirement strategy should work together.

Our independence gives us the freedom to tailor retirement planning to you, not to a corporate playbook. We combine modern planning tools with decades of experience to help clients transition from accumulation to distribution with intention and confidence. We’re fiduciaries, fee-based, and fully aligned with our clients. Your retirement is personal. Our job is to make sure the plan behind it is, too.

Challenges We Help Solve

Once we’ve defined what retirement means to you, we turn that vision into a plan — tackling the key financial questions that shape your path forward.

Understand how much you need to save and when you can retire
Two of life’s biggest financial questions are, “How much do I need to retire?” and “When can I do it?” We help you answer both. By taking a comprehensive look at your income, lifestyle, and spending expectations, we estimate what your retirement will realistically cost — including the details that often get overlooked.

Make informed financial decisions
Market swings are inevitable, but good decisions are timeless. We help you stay focused on what matters from setting sustainable withdrawal rates to deciding when to claim Social Security. And we’re here to coach you through every market cycle.

Gain insight into your employer retirement plan.
Every plan is unique, and the right choice isn’t always obvious. We help you understand your 401(k), 403(b), 457, or pension benefits and how they fit into the bigger question: “When should I retire?” not just “Should I roll it over?”

Follow a tax-smart withdrawal strategy.
Many retirement accounts come with hidden tax implications that can impact your long-term income. We review your mix of Taxable, Tax-Deferred, and Tax-Free assets to help you draw from the right buckets at the right time, keeping more of what you’ve earned.

Receive customized advice based on your full financial picture.
Retirement is built in decades, not deadlines. We consider the full scope of your life: pension income, expected expenses, Social Security, healthcare, and personal goals to design a strategy that’s as unique as your definition of retirement itself.