Who we serve
Primarily retirees, and people close to retiring
Most of the people Sean Farro works with are retired or close to it. That focus shapes the whole of the work: income, taxes, investments, risk, and estate planning, for the years after a paycheck stops.
Four stages
Common stages and the questions they raise
Most of this work happens after someone has retired, but the questions change as retirement goes on. These are the ones that come up at each stage.
Approaching retirement
Decisions about when to retire, when to claim Social Security, what to do with an employer plan, and whether savings are sufficient.
Recently retired
The shift from earning to drawing down, when withdrawal sequencing and tax decisions start to matter, and Medicare enrollment comes into view.
Established in retirement
Required minimum distributions, healthcare and long-term care costs, and planning for a surviving spouse.
Planning a legacy
Beneficiary designations, account titling, and the tax treatment of what heirs will receive, coordinated with estate documents.
Next step
Start with a conversation
The first conversation is free, and there’s no obligation. Meet at an office in Central Florida or talk by phone, wherever you live.