[ Retirement Strategy ]
Our Process
Coordinated Retirement Strategy
Bring Social Security, Medicare, income planning, investments, and tax strategy into one clear plan.
[ Our Process ]
[ Meet Estia ]
Estia Focused Financial helps families make coordinated retirement decisions across income, taxes, Social Security, Medicare, investments, and long-term planning.
The Estia team includes Gresham Walmsley, CFP®; David Dlugacz, RICP®; and Deri Freeman, CFP®.
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Social Security timing is one of several retirement decisions discussed as part of a retirement picture. It is considered alongside income, Medicare, taxes, investments, and timing so the decisions can be understood together.
Taxes can interact with retirement income, withdrawals, Roth conversions, and required minimum distributions. Reviewing the retirement picture together can help families see how these decisions fit with one another before costly mistakes happen.
Medicare premiums are part of the connected retirement decisions on this page. The discovery conversation looks at Medicare alongside income, taxes, Social Security, investments, and timing.
Roth conversions are one of the retirement decisions that can affect other parts of the picture. They can be reviewed alongside taxes, withdrawals, Social Security, Medicare premiums, and RMDs.
Details about RMDs can be discussed as part of your retirement picture. On this page, they are identified as one of several withdrawal- and tax-related decisions that can affect one another.
A retirement income plan looks at how much spending may be covered by Social Security, pensions, and other dependable income before deciding how portfolio withdrawals fit into the picture. Taxes, account types, required minimum distributions, and investment coordination can all affect that conversation.
