Investment Management for Retirees and Near-Retirees
We help retirees and near-retirees align their investments with retirement income, taxes, and risk.
We help your portfolio support the life you want in retirement, not just the market.
You may be in the right place if…
Retirement changes how your investments need to work. We work best with people who want more than portfolio management alone.
You want your investments to support retirement income
You want a portfolio that fits how you’ll actually use your money in retirement, not just how you invested while you were working.
You want to make tax-smart decisions
You want guidance on Roth conversions, withdrawals, and other tax decisions that can affect how much of your money you keep.
You want your investment strategy connected to a real plan
You want your portfolio, retirement income, Social Security, and long-term goals to work together.
What Good Retirement Investing Should Do
Investment management in retirement should do more than chase performance. It should help your portfolio support income, manage risk thoughtfully, and stay aligned with the rest of your retirement plan.
Support retirement income
Your investments should reflect how you plan to use your money in retirement, not just how you invested while you were working.
Make room for tax-smart decisions
Investment management should work alongside Roth conversions, withdrawals, and other tax decisions that can affect how much of your money you keep.
Match your risk to this stage of life
A good portfolio should reflect your need for stability, flexibility, and long-term growth without taking more risk than feels appropriate.
Stay connected to your bigger plan
Your investments should support the rest of your retirement strategy, including income needs, Social Security, taxes, and long-term goals.
Adapt as retirement unfolds
Retirement is not static. Your investment strategy should be reviewed and adjusted as your life, goals, and needs change.
Bring the pieces together
Good investment management should support the life you want in retirement, not operate separately from the rest of your plan.
How Our Ongoing Relationship Works
Good investment management in retirement is not just about choosing investments. It’s about making sure your portfolio continues to support your income, tax strategy, and the life you want to live.
Ongoing retirement planning and investment guidance
We help you make decisions as retirement unfolds, from income planning and Roth conversions to withdrawals, taxes, and changes in your goals.
Regular reviews and thoughtful adjustments
Your portfolio and plan should not stay static. We review your strategy regularly and make adjustments as your life, markets, and needs change.
Tax-aware coordination
We help your investment strategy work alongside the other decisions that matter in retirement, including withdrawal planning, Roth conversions, and charitable giving.
A relationship built for this stage of life
Our goal is to help you stay organized, informed, and confident as you move through retirement and the financial decisions that come with it.
Why Retirees Choose Stewardship Concepts
Investment management in retirement is about more than portfolio performance. It’s about making sure your investments support income, taxes, risk, and the life you want to live. That’s where we help.
A retirement-focused approach
We design investment strategies with retirement in mind, so your portfolio supports income needs, risk tolerance, and the decisions that come with this stage of life.
Tax-aware guidance
We help your investments work alongside Roth conversions, withdrawals, and other tax decisions that can affect how much of your money you keep.
Fee-only fiduciary advice
Our advice is built around your best interest, without commissions or product sales influencing the guidance you receive.
A team that understands retirement
You work with an experienced Spokane team that understands how investments, income, taxes, and long-term goals start to overlap in retirement.
What the First Conversation Looks Like
Starting the conversation doesn’t mean committing to anything. It’s simply a chance to talk through your situation, ask questions, and see whether we’re a good fit.
Step 1
Schedule a Discovery Call
We’ll talk about where you are now, what questions are on your mind, and what you want retirement to look like.
Step 2
Review What Matters Most
If it looks like a fit, we’ll review the key parts of your financial life and identify the decisions that matter most right now.
Step 3
Choose the Right Next Step
Whether that means ongoing investment management, broader retirement planning, or simply helping you think through your options, our goal is to help you move forward with more clarity.
How We Stay Engaged Throughout the Year
Retirement is not static, and your investment strategy shouldn’t be either. We stay engaged throughout the year to help your portfolio, tax strategy, and retirement plan keep pace with the decisions ahead.
January–March
Start the year with tax and planning decisions in mind.
- Coordinate tax planning with your accountant when needed
- Review required minimum distributions
- Help you stay ahead of early-year planning opportunities
April–May
Use tax season as a chance to revisit the bigger picture.
- Meet with clients scheduled for first-half annual reviews
- Review tax returns and identify planning opportunities
- Check in on ongoing financial planning priorities
June–July
Make sure your portfolio stays aligned with your goals.
- Rebalance accounts as needed
- Review whether your portfolio still fits your risk, income needs, and long-term goals
- Stay connected through ongoing communication and client events
August–October
Revisit the plan as the year unfolds.
- Meet with clients scheduled for second-half annual reviews
- Review beneficiaries and key account details
- Revisit planning priorities as life and goals evolve
November–December
Focus on year-end planning opportunities.
- Rebalance accounts and harvest tax losses when appropriate
- Review year-end strategies, including Roth conversions, RMDs, QCDs, charitable giving, trust distributions, and retirement account contributions
Ongoing Support
You have a team to reach out to as questions and decisions come up.
- Monitor portfolios throughout the year
- Keep you informed with regular reports and updates
- Answer planning questions as they arise
- Help with retirement, tax, and investment decisions along the way
*Not all services listed apply to every client; services are tailored to individual needs.*
Investment Management Fees
We believe fees should be clear and easy to understand. Our ongoing investment management fee starts at 1% per year and is based on the amount of assets we manage for you.
As your assets grow, the fee declines according to our fee schedule.
Example
With $5M invested with us, the first $2M is 1%, the next $2M is 0.8%, and the remaining $1M is 0.6%.
Our clients choose us for more than portfolio management alone. Ongoing relationships also include retirement planning guidance, tax-aware support, and help with the financial decisions that come with this stage of life.
We’re happy to walk through our fee schedule and help you understand whether our ongoing relationship is the right fit for your needs.
Let’s See Whether We’re a Fit
If you’re looking for ongoing investment management that supports retirement income, taxes, and the bigger financial decisions ahead, start with a discovery call.
We work best with retirees and near-retirees who want thoughtful guidance, a tax-aware approach, and a portfolio that supports the life they want in retirement.
Fee-only fiduciary advice Spokane-based CFP® professionals
Questions before scheduling? We’d be glad to help.