A 2024 YCharts Advisor-Client Communication Survey found that 75% of clients either switched advisors or considered switching advisors the prior year.
Most advisors were trained for wealth accumulation. We built a practice for what comes next: making what you saved last 30 years or more.
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You did everything right. Why does retirement still feel different?
You spent 35 years building your wealth. Maxed the 401(k). Stayed the course through 2008 and 2020. That advice was correct — for the accumulation phase.
The distribution phase has different rules. Sequence risk. Tax sequencing across account types. Longevity. The advisor who helped you build it was trained for the era you just left.
If something feels off about your current plan, you're not imagining it.
If you want answers to questions like these, click for our free Retirement Transition Assessment.
Your advisor's business is built for the era you just left.
Most financial advisors were trained to help you accumulate wealth, but the distribution phase requires an entirely different playbook.
Tax sequencing. Social Security timing. Distribution strategies that account for sequence risk. Long-term care planning. Estate coordination. That's the work that determines whether your retirement holds up.
In retirement, you may be better served by an advisor who specializes in retirement planning and retirement income strategies.
We built a business that pays us to plan.
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 | We are fee-only fiduciaries on every recommendation, always. Not fee-based. Not "when convenient." Always. |
Earned, not claimed.
Retirement planning, not a portfolio review with planning bolted on. Income, tax, investment, and estate planning each get a dedicated quarterly meeting, so you're never more than 90 days away from a review of these critical components so that nothing falls through the cracks.
Equities for growth. A bond ladder for income. The fixed income portion of your portfolio is comprised of individual bonds known coupons and maturity dates — five to seven years of income not tied to market swings. Built on years of experience managing fixed income portfolios for commercial banks and charitable foundations.
30+ years across three market crises. 1987. 2000–2002. 2008. Conservative allocations and proactive communication were already in place. Clients didn't panic because they didn't need to.
See What Our Clients Are Saying
These statements are from current clients and may not be representative of the experience of other clients and do not guarantee future performance or success; no compensation was exchanged for these recognitions. ClientFirst Wealth Management LLC is not aware of any material conflicts of interest between this client and the firm.
Get a second opinion on your retirement plan.
The Retirement Checkpoint involves two meetings. Completely free. We review your current plan, build a personalized gap analysis, and walk through the findings together. The findings are yours whether or not you decide to work with us.