Retirement introduces financial risks that are different from those faced while accumulating wealth.
For many individuals, retirement marks a transition from earning income to relying on investment portfolios, savings, and planning decisions made over decades. At this stage, market volatility, taxes, healthcare costs, and longevity assumptions can have a greater impact on long-term outcomes.
Seastrunk Financial Management, LLC provides investment management and financial planning services, including retirement planning, tailored to each client’s individual circumstances, objectives, and risk tolerance.
Our advisory services are typically most relevant for individuals with substantial investable assets and meaningful planning complexity.
Request an Introductory Retirement Planning Review
WHY RETIREMENT PLANNING IS DIFFERENT
During working years, financial plans often benefit from flexibility, ongoing contributions, and the ability to recover from unexpected events.
During retirement, decisions related to withdrawals, asset allocation, and tax treatment may have longer-term implications.
Common retirement-stage considerations include:
Managing portfolio withdrawals during periods of market variability
Understanding the cumulative effect of taxes over time
Coordinating multiple account types and income sources
Evaluating healthcare and long-term care related financial risks
Integrating estate and legacy considerations into planning decisions
Retirement planning involves managing uncertainty and trade-offs rather than relying on averages or assumptions.
WHO WE WORK WITH
Our advisory services are designed for individuals and families whose financial circumstances warrant coordinated planning and ongoing advice.
We frequently work with:
Individuals within several years of retirement evaluating investment and planning considerations
Recently retired individuals adjusting to portfolio-based income
Executives and business owners with concentrated assets, deferred compensation, or complex tax considerations
Client engagements are subject to suitability, capacity, and alignment of advisory services with client objectives.
OUR APPROACH
Seastrunk Financial Management, LLC provides advisory services in a fiduciary capacity. Advice is based on each client’s financial situation, objectives, and risk tolerance.
In the context of retirement planning, our work typically includes:
Identifying risks associated with withdrawals, market conditions, and longevity
Evaluating investment allocation relative to changing objectives
Coordinating financial planning considerations with investment advice
Considering tax implications as part of long-term planning
Monitoring and adjusting strategies as circumstances evolve
No strategy can eliminate risk or guarantee specific outcomes. Our role is to provide informed guidance to support prudent decision-making over time.
SERVICES
Advisory services are customized based on client needs and may include:
Financial Planning (Including Retirement Planning)
Evaluation of retirement income needs, cash-flow considerations, and long-term planning objectives as part of a broader financial planning process.
Investment Management
Ongoing portfolio management consistent with client objectives, risk tolerance, and constraints.
Tax-Aware Planning Considerations
General coordination of investment and planning decisions with tax considerations, in collaboration with a client’s tax professionals when appropriate.
Healthcare and Long-Term Planning Considerations
Discussion of potential healthcare-related financial risks as part of overall planning.
Estate and Legacy Planning Coordination
General planning considerations related to legacy objectives, coordinated with outside legal professionals.
A full description of services, fees, and related disclosures is provided in our Form ADV Part 2A.
INSIGHTS
From time to time, we publish commentary addressing financial planning and investment considerations relevant to long-term objectives, including retirement-related topics.
Information presented is for general informational purposes only and does not constitute individualized investment, tax, or legal advice.
ABOUT THE FIRM
Seastrunk Financial Management, LLC is a registered investment adviser providing investment advisory and financial planning services.
Advisory services are delivered in accordance with applicable fiduciary standards and tailored to each client’s individual circumstances.
Additional information regarding our services, fees, and disclosures is available in our Form ADV Part 2A.
INTRODUCTORY RETIREMENT PLANNING REVIEW
An Introductory Retirement Planning Review is intended to determine whether our advisory services may be appropriate based on an individual’s circumstances and objectives.
Submission of a request does not create an advisory relationship. Any discussion prior to execution of an advisory agreement is for informational purposes only and does not constitute individualized investment advice.