Different situations. Different questions.
Different situations bring different financial decisions.
Whether you're preparing for retirement, living in retirement, navigating a life transition, or managing growing financial complexity, the questions are different. The planning should reflect that.
See If We're a FitWho we help
You don't need to fit into a single category.
You may be planning to retire while helping aging parents, growing a business while raising a family, or adjusting to a change you didn't expect. Start with what's happening in your life right now.
Preparing for Retirement
You want to know whether retirement is truly within reach.
You may have saved consistently and built meaningful assets, yet still wonder whether the numbers support the life you want. Leaving work also means deciding how to replace a paycheck and cover healthcare.
What may be on your mind
- Can we retire now, or would another year make a meaningful difference?
- How much can we spend, and which accounts should we use first?
- How will we cover healthcare before Medicare?
- When should we claim Social Security, and what tax decisions need attention?
How ReFrame helps
We look at your income, spending, investments, taxes, and healthcare together. You can compare retirement dates, understand the trade-offs, and work through what needs attention before you leave work.
Living in Retirement
Retirement planning doesn't stop when work does.
Your spending, health, family needs, and priorities can change after you retire. You want to enjoy what you've built while knowing how today's decisions affect the years ahead.
What may be on your mind
- Is our spending sustainable, and how much cash should we keep?
- Which accounts should fund our income and required distributions?
- Can we help our children or grandchildren without putting our needs at risk?
- Do our investments, beneficiaries, and estate documents still fit our lives?
How ReFrame helps
We revisit your income, withdrawals, taxes, and investments as life changes. We also help you consider family support and future care needs, coordinating with your tax and legal professionals where needed.
Navigating Life's Transitions
You don't have to solve everything at once.
A death, divorce, inheritance, health concern, job change, or business sale can leave you with decisions you didn't expect. Some need attention now. Others deserve time.
What may be on your mind
- Where do I begin, and which decisions can wait?
- What will change about my income, spending, or taxes?
- Which accounts, documents, or beneficiaries need updating?
- How does this change affect my longer-term plans?
How ReFrame helps
We help organize what's changed and put decisions in a practical order. Together, we identify immediate cash needs, review the accounts and documents involved, and coordinate next steps with your other professionals.
Managing Growing Financial Complexity
Your financial decisions are getting harder to manage separately.
As an established professional, executive, entrepreneur, or business owner, you may be balancing a demanding career with more complicated finances. Workplace benefits, equity compensation, business interests, and household priorities can start to overlap.
What may be on your mind
- How do equity compensation and workplace benefits fit with my other investments?
- How much cash belongs in the business, and how much do we need at home?
- What should I consider before a large payout, ownership change, or business sale?
- Are my financial, tax, and legal decisions working together?
How ReFrame helps
We bring your household finances, benefits, investments, and business-related decisions into one view. We help you weigh competing priorities and coordinate with your CPA, attorney, and other professionals so you can see how the choices affect one another.
Begin the conversation
You don't need to have everything figured out.
You may have one specific question or a few decisions that feel disconnected. Tell me what's happening and what you're trying to decide.
See If We're a Fit