Retirement Planning for Professionals and Families

I help professionals approaching retirement and retirees coordinate retirement income, employer stock, investment risk, and tax considerations within one financial plan.

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Bring Your Retirement Decisions Together

Retirement decisions rarely happen in isolation. Social Security, pensions, portfolio withdrawals, investment risk, employer stock, and tax considerations can affect one another.

I help clients understand these tradeoffs, identify the decisions that matter most, and organize the next steps with a coordinated financial plan.

Meet Phil Hayduk

Who I Help

Pre-Retirees

The final years before retirement involve interconnected decisions about savings, Social Security, pensions, healthcare, taxes, and investment risk. I help clients organize those decisions into a coordinated retirement strategy.

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Retirees

Retirement shifts the focus from accumulating assets to coordinating income, withdrawals, investments, taxes, and legacy goals. I help retirees evaluate these decisions as their circumstances evolve.

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Peak-Career Professionals

Professionals may be balancing retirement savings, employer stock, family priorities, and increasingly complex financial decisions. I help identify which issues deserve attention and how they fit within the broader financial plan.

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A Clear Planning Process

STEP

1

Understand

We begin by understanding your priorities, financial situation, concerns, and the decisions currently in front of you.

STEP

2

Analyze

I evaluate how your retirement income, investments, employer stock, tax considerations, and management needs work together.

STEP

3

Implement

We prioritize the practical next steps, implement the agreed-upon strategy, and revisit the plan as your life and financial circumstances change.

Start With the Decision in Front of You

If you are approaching retirement, managing employer stock, or trying to coordinate several financial decisions, an introductory conversation can help determine whether my planning process is a good fit for your needs.

Start Your Financial Plan Now!

Core Planning Areas

My work focuses on financial decisions that become increasingly interconnected as clients approach and enter retirement. Each area is evaluated as part of a broader financial plan rather than in isolation.

Retirement Income Planning

Coordinate Social Security, pensions, portfolio withdrawals, cash reserves, and investment risk as you prepare to create income in retirement.

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Employer Stock & Concentrated Positions

Evaluate how company stock, RSUs, ESPPs, stock options, and other concentrated positions fit within your broader financial plan.

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Tax-Efficient Retirement Planning

Consider Roth conversions, withdrawal sequencing, RMDs, and tax diversification in coordination with your tax professional.

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Comprehensive Financial Planning

Bring investments, retirement, insurance, estate-planning considerations, and family priorities together within one organized strategy.

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Request an Introductory Conversation

Tell me what financial decision you are working through and the best way to reach you. This initial conversation is intended to determine whether my planning process may be a good fit.

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