Retirees

The transition into retirement is one of the most financially consequential moments of your life. Key considerations include when to claim Social Security, how to manage the shift from accumulating wealth to drawing income, how to structure withdrawals tax-efficiently, and how to handle healthcare coverage before Medicare. We help you think through it all in a coordinated way so you feel confident walking into this next chapter.

This is where our model really shines. Your investment strategy, tax plan, and income distribution approach all affect each other, so we manage them together. That means your portfolio decisions are tax-aware, your withdrawal strategy considers bracket management, and your overall plan is designed to help you keep more of what you’ve saved.

Yes. We help you evaluate claiming strategies based on your full financial picture, not just the Social Security calculation in isolation. Factors like your other income sources, tax situation, health, and spouse’s benefits all play a role. Our goal is to help you make a well-informed decision that fits your overall retirement plan.

RMDs can have a meaningful impact on your tax bill and overall retirement income plan. We monitor your required distributions, coordinate the timing with other income sources, and look for opportunities to manage your tax bracket through strategies like Roth conversions or charitable giving, all within the context of your broader plan.

Healthcare is often one of the largest and least predictable expenses in retirement. We incorporate healthcare cost projections into your plan, help you navigate coverage options before and after Medicare eligibility, and evaluate how to incorporate long-term care planning into your overall strategy.

We offer estate and trust planning services through BGM and our affiliate, Cornerstone Private Asset Trust Company. We help you structure how assets are managed and transferred according to your wishes, with an eye toward tax efficiency and protecting the people you care about.

We can. Whether it’s funding grandchildren’s education, supporting charitable causes, or gifting to family members, there are tax-smart ways to give that can benefit both you and the people and organizations you want to support. We’ll help you build a giving strategy that fits within your overall retirement plan.

At BGM, your tax advisor, wealth manager, and financial planner all work together as one coordinated team. You’re not bouncing between separate firms hoping they communicate. With over 40 years of experience, we take a proactive, hands-on approach. We bring ideas and adjustments to you, not waiting for you to ask.

We do. While BGM is headquartered in the Minneapolis-St. Paul area, we work with retirees across the country. What matters most is finding the right fit, not proximity.

We offer a complimentary introductory conversation to learn about your retirement goals, your current financial picture, and what’s been on your mind. There’s no pressure, just an objective look at whether BGM is the right partner for this next phase of your life.