The Arbor Team

Tax-Sensitive Withdrawal Strategies: Knowing which accounts to withdraw from and when to withdraw from them can have a significant impact on taxes over time. We specialize in developing tax-sensitive withdraw strategies that will keep your retirement plan in tune.

Tax GAIN Harvesting: Tax loss harvesting can be achieved through automation, as a widely available service. Tax GAIN harvesting, however, requires special attention and strategy. If executed correctly, it can greatly reduce taxes paid on investment gains over time.

Custom Roth Conversion Strategies: At times, financial plans require more than just software input. Our unique approach to Roth conversion planning looks deep into your tax records, finding ways to efficiently convert your money to a tax-free future for you and your legacy.

Review and Archive Documents: A key part of crafting your optimal wealth strategy is developing a full picture of your financial life. Having a complete financial record in one place means you only need to make one phone call when life changes.

Unique Approach to Insurance Planning: Most insurance professionals aren’t required to act as fiduciaries. At Arbor, we do, and we understand the importance of risk management and insurance for retirees. Our insurance planning strategies are unique to each client, intuitive, and critical to getting the most out of your resources.

Advise on Retirement Taxes: Arbor advises on tax planning, and more specifically, retirement planning. We bring a robust background in retirement taxation and compliance to make sure you don’t overpay Uncle Sam in retirement.

Strategic Timing and Monitoring of Your Plan: Time is money. This is especially true when it comes to knowing when to trigger income such as Social Security, IRA Withdrawals, GAIN harvesting, pensions, and other income streams. Timing plays a large role in effecting your taxes and plan. We are proactive, not reactive.

Risk-Based Portfolio Strategies without High Fees: High fees are a guaranteed way to erode investment returns over time. At Arbor, we keep your costs lower than industry averages so you can capture the long-term benefits.