ONE COMPLETE PROCESS.
EVERY CLIENT. EVERY TIME.

The RWA Financial Blueprint

Retirement planning takes more than choosing an investment. We bring your income, investments, tax considerations, and estate goals into one coordinated plan, then review and adjust it as life changes.

Step One

Start with where you stand and the retirement you want to live.

DISCOVER

GOALS-BASED RETIREMENT PLANNING

  • Talk through what you want from retirement, how you hope to spend your time, and what matters most to you

  • Get a clear picture of your finances, income needs, and comfort with investment risk

  • Identify the decisions that need attention before we build your plan

Step Two

Build the plan across tax, income, and investment as one system.

DESIGN

INVESTMENT SELECTION & RISK MANAGEMENT + STRATEGIC FINANCIAL & INCOME PLANNING

  • Diversified portfolios built around your goals, time horizon, and tolerance for risk

  • Strategic asset allocation with a focus on tax efficiency and cost-conscious investing

  • Comprehensive planning across investments, taxes, and income generation

  • Evidence-backed decisions grounded in data, not market hype

Step Three

Stress-test it for the markets and the unexpected.

PROTECT

PORTFOLIO MANAGEMENT & MODIFICATION (+ ESTATE/LEGACY PROTECTION)

  • Evaluate how market downturns and unexpected expenses could affect your retirement income

  • Ongoing focus on reducing unnecessary risk while keeping you on track

  • Estate preservation and legacy planning, so what you’ve built is protected for the next generation

Step Four

Have a team you can reach when questions and decisions arise.

GUIDE

WORLD-CLASS CONCIERGE SERVICE + FIDUCIARY ACCOUNTABILITY

  • Proactive communication — regular updates so you always feel supported

  • Rapid response — a quick question or a deep discussion, we’re there

  • A personal touch on every call and email, backed by fiduciary accountability

Step Five

The retirement you plan for today will change as you live it. Your financial plan should grow with you.

EVOLVE

ONGOING RETIREMENT PORTFOLIO AND PLAN REVIEW

  • Revisit your retirement income and withdrawal strategy as your needs and tax circumstances change

  • Update your plan when spending, health care needs, family circumstances, or personal goals shift

  • Reassess major decisions at each stage of retirement, from your last paycheck through the years that follow

  • Explain how changes today may affect your income and options later

HEAR FROM
OUR CLIENTS

  • Five gold stars in a row.

    “We have been working with Eric, Donna, and Autumn of Retirement Wealth Management for many years. They have grown our portfolio significantly. They are ALWAYS available to answer any questions. They work as parters and truly care about us!”

    Susan Picone

  • Five gold stars in a row.

    “Eric & Joseph, and the rest of the team are professional, passionate, knowledgeable. They offer a detailed portfolio analysis. I couldn't be more pleased with their service. Top notch team!”

    Tabitha Keating

  • Five gold stars in a row on a black background.

    “Eric, Autumn, Joey, and Donna are a knowledgeable team. They offer a detailed portfolio analysis and ensured I felt confident in all of the decisions made. I couldn't be more delighted with their customer service!”

    Sydney S.

  • Six gold stars aligned horizontally on a black background.

    “Eric and his team have been outstanding in handling our finances. We’re incredibly grateful for their exceptional service and highly recommend them."

    Elaine St. Pierre

  • Five gold stars in a row on a black background.

    “Autumn is my FAVORITE part of this business! This amazing team does a fantastic job with my portfolio. You will not be disappointed!”

    Kasey Thompson

  • Six gold stars arranged in a horizontal line, evenly spaced.

    “The team is great to work with! I especially appreciate the calls and emails from Autumn, she is so quick and efficient with help. The whole team offers professional and detailed portfolio analysis, which is right on point.”

    Ellie Charter

  • Five gold stars arranged in a horizontal row.

    “Eric Kearney and the Retirement Wealth Advisors team have educated and guided me through my stages of retirement process. I am successfully retired and I feel 100% confidant in my decision to choose them as my advisory firm. I couldn't have done it without them!”

    Kathy Hiner

  • Five gold stars in a row.

    “Love these guys. Making great decisions on our behalf.”

    George O’Bryan

  • Five gold stars displayed in a row.

    “Great and easy to work with.”

    Derek Character

Retirement Planning Questions

  • Protection usually comes from structure rather than prediction. Keeping a reserve of planned withdrawals in cash or short term bonds lets you avoid selling stocks in a downturn. Diversification, a clear income plan and, for some families, insured income options help savings ride out difficult markets with more confidence.

  • Sequence of returns risk is the chance that poor markets arrive early in retirement, while you are withdrawing money. Losses combined with withdrawals can shrink savings faster than the same losses later on. A cash reserve, flexible spending and a thoughtful allocation in the early years of retirement can help reduce this risk.

  • There is no single order for everyone. Many retirees draw from taxable accounts first, then traditional IRAs, then Roth accounts, but blending withdrawals can keep you in a lower tax bracket and reduce future required minimum distributions. Planning the order a few years ahead often lowers the taxes you pay over a lifetime.

An older woman with gray hair and sunglasses stands outside on a cobblestone street, holding a suitcase with a landscape of houses and green hills in the background.

LET’S MAKE SURE THE LIFE YOU BUILT HOLDS.

A short conversation is the first step. No pressure, no jargon, just a clear look at where you stand.

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