[For Pre-Retirees & Retirees Over the Age of 50 With $1 Million+ Saved]
Family Office Planning - A step above traditional advisement...
A Coordinated Retirement Strategy Designed to Help Protect Your Lifestyle, Reduce Hidden Risks,
and Bring Every Piece of Your Financial Life Together Under One Roof
Regulated By:
Strategic Partners Include:
"Nearly Half Of Retirees Run Out Of Money Despite Having A Financial Plan..."
The issue usually is not a lack of savings... what it ACTUALLY is might surprise you.
The Modern Retirement Problem Nobody Talks About...
& The Hidden Flaw in Traditional Retirement Plans That Could Cost You Everything
Despite what you've been lead to believe by the government, the financial industry, and even parts of society the modern retirement system was never designed for a 30-year retirement!
The original 401(k) was created in a world where many retirees only needed their money to last around 7 to 10 years after retirement.
Today, healthy couples retiring in their 60s often need their assets, income, and tax strategies to support them for 25, 30, or even 35 years or longer.
The problem is that most retirement plans never evolved with that reality.
Most people are still relying on a fragmented planning model where one advisor manages investments, another handles taxes, another drafts estate documents, and nobody coordinates how all the moving pieces affect each other.
That lack of coordination creates hidden risks that can quietly drain retirement wealth over time like...
- Tax inefficiencies.
- Unnecessary Medicare surcharges.
- Poor withdrawal sequencing.
- Long-term care exposure.
- Market losses at the wrong time.
- Legacy planning gaps.
The wealthiest families in America solved this problem decades ago through something called family office planning.
Now that same coordinated approach is available to successful pre-retirees who want more than pieced-together financial advice.
Where Retirement Stands Today...
Most successful pre-retirees have done many things right.
- They worked hard
- They saved consistently
- They invested diligently
- They built meaningful careers, businesses, and retirement accounts
From the outside, it often looks like they are fully prepared for retirement.
But when retirement plans are reviewed closely, the same issue appears over and over again.
The plan may look solid on the surface, but critical pieces are disconnected.
The investment strategy may not align with the tax strategy, tax strategies may not account for Medicare thresholds, estate plans may no longer reflect current goals, withdrawal strategies may expose the portfolio to unnecessary sequence of returns risk, long-term care strategy may not exist at all.
And because each professional is usually operating independently, nobody is responsible for coordinating the entire picture.
Traditional advising was largely built around accumulation.
But retirement is no longer just about growing assets.
It is about protecting income, minimizing taxes, managing healthcare costs, coordinating distributions, preserving flexibility, and helping ensure a retirement can withstand decades of changing conditions.
That requires a completely different level of planning.
The 4 Phases Of Accumulation...
That Just Aren't Enough For Retirement Planning!
- Save more
- Diversify
- Grow the portfolio
- Hope the market cooperates
The Most Expensive Retirement Mistakes Usually Start Small...
The consequences of an uncoordinated retirement plan rarely show up all at once.
Most of the damage happens quietly in the background.
- A Roth conversion triggers unexpected Medicare premium increases.
- Required Minimum Distributions push retirees into higher tax brackets.
- Too much risk in the early retirement years permanently damages portfolio sustainability.
- A lack of income diversity creates unnecessary pressure during market downturns.
- A health event forces major financial decisions at the worst possible time.
Many retirees do not realize there is a problem until years later, when the options available to fix it are smaller, more expensive, or gone entirely.
The challenge is not usually that people failed to save.
The challenge is not even the fact that retirees are trying to plan... they are!
No, the challenge is that retirement has become too complex for fragmented planning.
And yet most households are still expected to coordinate everything themselves.
The advisor manages investments.
The CPA handles taxes.
The attorney manages legal documents.
The insurance professional handles protection strategies.
The retiree becomes the one responsible for connecting all the dots.
That may work during the accumulation years.
It becomes far more dangerous once retirement income begins.
Because retirement is not a one-time event.
It is a 25+ year financial transition that requires ongoing coordination as markets move, tax laws change, healthcare costs rise, and family circumstances evolve.
Introducing The Family Office Retirement Method!
What Is Family Office Retirement Planning?
Family office planning is a coordinated financial planning model traditionally used by ultra-high-net-worth families.
Instead of relying on disconnected professionals working independently, a family office approach brings all major areas of financial planning together into one coordinated strategy.
Rather than treating areas separately, family office planning coordinates them together so decisions made in one area do not unintentionally create problems somewhere else.
At Retirement Risk Advisors, this process is delivered through what is called The Family Office Retirement Method.
The process begins by identifying which retirement risks apply most heavily to a household's specific situation.
From there, a coordinated retirement strategy is built around helping protect against those risks while aligning investments, taxes, income, healthcare planning, and legacy goals into one ongoing system.
This is NOT a one-time financial plan that gets placed in a drawer.
It is an active planning relationship designed to evolve as life changes.
Retirement Risk Advisors
Family Office Planning Includes:
- Investment management
- Tax planning
- Retirement income planning
- Medicare coordination
- Legacy and estate planning
- Risk management
- Long-term care planning
- Cash flow planning
- Ongoing oversight and adjustments
How The Family Office Retirement Method Works...
Family Office Planning is designed to answer one question:
“What could go wrong, and have we already accounted for it?”
Step 1: Retirement Risk Identification
Every household faces different retirement risks. Some retirees are heavily exposed to future tax increases. Others face elevated sequence of returns risk.
The first step is identifying exactly where the risks exist within the current plan. This includes evaluating:
- Investment accounts
- Retirement income sources
- Tax exposure
- Medicare thresholds
- Withdrawal strategies
- Estate structures
- Insurance protection
- Long-term care exposure
- Cash reserves and liquidity
- Legacy goals
Step 2: Build the Coordinated Retirement Plan
Once the risks are identified, a coordinated strategy is built around helping protect against them.
This includes aligning:
- Tax planning
- Investment management
- Income distribution planning
- Roth conversion strategies
- Medicare coordination
- Legacy planning
- Cash flow management
- Risk management
- Long-term care considerations
Everything is designed to work together rather than operating independently.
Step 3: Ongoing Family Office Coordination
Retirement is dynamic. Tax laws change, markets shift, healthcare costs evolve, family circumstances change...
The Family Office Retirement Method includes ongoing reviews and planning updates throughout retirement to help ensure strategies continue adapting over time.
Backed by Industry Leading Software:
10 Retirement Risks Most People Never Realize They’re Exposed To...
Inside The Family Office Retirement Method,
We'll Help Safeguard You Against All of Them:
- The Social Security decisions that can quietly reduce lifetime retirement income by tens of thousands of dollars
- The hidden tax rate risk that can slowly erode retirement wealth year after year
- The longevity risk of living far longer in retirement than most plans were originally built to support
- The inflation risk that can steadily reduce purchasing power and increase future living costs
- The withdrawal rate risk that can cause retirement savings to run out faster than expected
- The long-term care risk that can create sudden financial and family stress later in life
- The sequence of returns risk that can permanently damage retirement outcomes early in retirement
- The Medicare risk that can unexpectedly increase healthcare costs through hidden income thresholds and surcharges
- The elder financial abuse risk that can quietly threaten a lifetime of savings and financial security
- The lack of income diversity risk that can leave retirees overly dependent on a single source of income
Why Successful Retirees Trust Retirement Risk Advisors...
Decades of experience across tax planning, retirement income strategy, Medicare coordination, and fiduciary advisory services.
A Fiduciary team built around coordination, NOT product sales. Retirement Risk Advisors was built around a simple belief... Successful retirees deserve access to the same coordinated planning approach wealthy families have used for decades.
The team includes FIDUCIARY professionals with:
Series 65 Licenses
Insurance License
CPA License
PFS Designation
What Happens When Retirement Planning Finally Becomes Coordinated...
Real stories from retirees who discovered costly gaps.
Rodney, ER Physician*
"Rodney had over a dozen accounts spread across multiple custodians and more than $1 million sitting idle in cash.
The lack of coordination created unnecessary tax drag, duplicate investments, and major inefficiencies.
After implementing a coordinated planning strategy, projected annual tax inefficiencies were reduced substantially and his long-term retirement outlook improved dramatically.
More importantly, he gained clarity and confidence instead of spending his limited free time trying to manage overwhelming complexity alone."
Bob and Teresa*
"After working with multiple advisors over several years, Bob and Teresa felt exhausted, confused, and uncertain about retirement.
Their existing plan included inefficient annuity structures and disconnected strategies that were not working together.
A coordinated review helped restructure the plan into a unified strategy focused on long-term sustainability, tax efficiency, and retirement clarity.
The result was a dramatically improved retirement outlook and a significantly accelerated retirement timeline."
Joanna, Accountant*
"Joanna followed advice to complete Roth conversions without realizing the strategy would trigger major Medicare premium increases.
The issue was not the Roth conversion itself.
The issue was the lack of coordination between tax planning and Medicare planning.
After restructuring her retirement strategy with ongoing tax coordination and Medicare threshold management, her projected long-term tax efficiency improved significantly while helping reduce future planning surprises."
*Stories are real, but names are changed for clients privacy sake.
The Common Pattern... Each of these households had worked hard and saved diligently. None of them were careless. The issue was that important areas of their retirement plan were disconnected. Coordination changed the outcome.
What You Receive Inside The Family Office Retirement Method...
The coordinated retirement planning system designed to help protect every major area of retirement.
Risk-Based Lifestyle & Legacy Retirement Plan™
A comprehensive review of the household's:
- Social Security risk
- Tax rate risk
- Longevity risk
- Inflation risk
- Withdrawal rate risk
- Long-term care risk
- Sequence of return risk
- Medicare risk
- Elder financial abuse risk
- Lack of income diversity risk
This initial process creates a clear picture of where risks exist and what opportunities may be available.
Delivered in the First 90 Days
Cash Flow & Income Management System
It Should Be A Given, But It Isn't Always...
A retirement plan is only as strong as the cash flow system supporting it. Coordinating income, expenses, reserves, and investments together can help create greater stability, flexibility, and confidence throughout retirement.
Included Services:
- Income & Expense Review
- Retirement Distribution Planning
- Cash Flow Planning
- Liquidity & Reserve Planning
- Investment/Portfolio Management (Access to Public & Private Investments)
Delivered in the Spring
Risk Managment System
Plan Ahead, Protect Your Wealth...
Many of the biggest financial setbacks in retirement come from risks that were never properly planned for ahead of time. A coordinated risk management strategy can help protect your wealth, preserve flexibility, and prepare for the unexpected before it becomes a crisis.
Included Services:
- Elder Care Planning
- Life & Health Insurance Strategy Review
- Disability & Long-Term Care Planning
- Property & Casualty Protection Review
- Investment/Portfolio Management (Access to Public & Private Investments)
Delivered in the Summer
Legacy & Stewardship Planning System
A Customized Approach to Retirement for Everyone...
A well-structured retirement plan is about more than protecting wealth during your lifetime. Proper legacy and stewardship planning can help ensure your assets are transferred efficiently, your wishes are clearly documented, and the people and causes you care about are cared for according to your intentions.
Included Services:
- Charitable & Gifting Strategies
- Wills & Trusts Review
- Asset Titling & Beneficiary Designation
- Healthcare & Advanced Directives
- Investment/Portfolio Management (Access to Public & Private Investments)
Delivered in the Fall
Advanced Tax Planning System
Maximize Your Wealth, Minimize Your Taxes...
Taxes can become one of the largest ongoing expenses in retirement if they are not proactively managed. Coordinating investment, income, and withdrawal strategies with tax planning can help improve long-term efficiency and preserve more of your wealth over time.
Includes Services:
- Tax Return Review
- Tax-Efficient Withdrawal Strategy
- ROTH Conversion Strategy
- Capital Gain & Income Strategy
- Investment/Portfolio Management (Access to Public & Private Investments)
Delivered in the Winter
We Hold Your Investments At:
IMPORTANT NOTE: All Investments Are Transferred Over In Kind
When you begin working with us, we transfer your investments in kind. Think of it like moving your wallet from one pocket to another. Your investments remain the same initially, and we are not immediately selling or changing anything.
Our priority is to avoid creating unnecessary taxable events or disruptions to your current portfolio. Once your accounts have been transferred, we conduct a thorough review of your investments and then discuss any recommended changes to your investment strategy with you before moving forward.
How It's Delivered To You...
Secure Retirement Plan & Asset Holding
Stay On Track For A Secure Future...
Both your retirement plan and the assets we manage are securely kept for you. All money we manage is held by a 3rd party custodian*. Meaning, even in the extreme case if we were to cease operations all money we manage for you is kept secure for you and available to access.
*Our main custodian is Schwab, we do have the ability to work with other custodians as well.
Personalized Financial Dashboard
Your Homebase For All of Your Reports...
You deserve a retirement plan that stays up to date with your constantly changing life. That’s why our retirement plans are accessible online and connected to your financial accounts so they update live with any accounts connected.
Coordinated Help & Implementation
The glue that holds it all together...
Instead of managing disconnected professionals independently, clients receive one coordinated team helping oversee the entire retirement strategy. Allowing you to pass the financial professional "babysitting" to us.
Our coordinated service ensures that your financial strategy is executed effectively and stays aligned with your evolving goals, market conditions, and tax laws. We do this through our seasonal service schedule.
Optimize Your Retirement Plan With
Seasonal Planning
While many advisors follow a quarterly planning system few do seasonal planning that allows you to better implement and plan for the issues ahead. Below are the services you can expect to be reviewed each season when you work with us at our club level.
Spring Review
- Income & Expense Review
- Retirement Distribution Planning
- Cash Flow Planning
- Liquidity & Reserve Planning
- Portfolio/Investment Management
Summer Review
- Elder Care Planning
- Life & Health Insurance Strategy Review
- Disability & Long-Term Care Planning
- Property & Casualty Protection Review
- Portfolio/Investment Management
Fall Review
- Charitable & Gifting Strategies
- Wills & Trusts Review
- Asset Titling & Beneficiary Designation
- Healthcare & Advanced Directives
- Portfolio/Investment Management
Winter Review
- Tax Return Review
- Tax-Efficient Withdrawal Strategy
- ROTH Conversion Strategy
- Capital Gain & Income Strategy
- Portfolio/Investment Management
Clear & Constant Communication
In addition to your QUARTERLY REVIEWS you can expect
24 Major Communications
Annually
We update you almost every other week through emails, phone calls, and physical mail on key information you need to know about your retirement. This allows you to stay informed and in the know for where your retirement stands.
+
Get
Additional "On Call" Access
In addition to your regular meetings with us, you can schedule additional meetings with us as you see fit. Have something big that changed and are worried about it affecting your retirement plans? No worries, you can schedule additional times to meet with us with not additional charge.
Our Fiduciary Guarantee!
If it’s not in your best interest, we don’t do it.
We are legally and ethically required to act in your best interest, always.
That means no hidden agendas, no product-driven recommendations, and no compromises when it comes to your plan.
Clients also receive a commitment that their Initial Risk-Based Lifestyle & Legacy Retirement Plan™ will be completed within 90 days of beginning the onboarding process as long as you provide the needed info within the first two weeks of onboarding.
Because of SEC regulations governing advisory relationships, traditional refund guarantees are not permitted.
Want to Work With Us?
Risk-Based Lifestyle & Legacy Retirement Plan™
- Your Initial Strategy For The 10 Risks in the First 90 Days
Cash Flow & Income Management System
- Income & Expense Review
- Retirement Distribution Planning
- Cash Flow Planning
- Liquidity & Reserve Planning
- Investment/Portfolio Management (Access to Public & Private Investments)
Risk Management System
- Elder Care Planning
- Life & Health Insurance Strategy Review
- Disability & Long-Term Care Planning
- Property & Casualty Protection Review
- Investment/Portfolio Management (Access to Public & Private Investments)
Legacy & Stewardship Management System
- Charitable & Gifting Strategies
- Wills & Trusts Review
- Asset Titling & Beneficiary Designation
- Healthcare & Advanced Directives
- Investment/Portfolio Management (Access to Public & Private Investments)
Advanced Tax Planning System
- Tax Return Review
- Tax-Efficient Withdrawal Strategy
- ROTH Conversion Strategy
- Capital Gain & Income Strategy
- Investment/Portfolio Management (Access to Public & Private Investments)
-------PLUS--------------------
- Secure Retirement Plan & Asset Holding
- Personalized Financial Dashboard
- Help To Implement & Monitor Plan
Schedule a Meeting Now To Find Out How You Can
Instantly SAVE:
$2,495+
In Planning Fees
LIMITED NUMBER OF SPOTS AVAILABLE
[RECAP] Retirement Planning Is No Longer Just About Growing Assets...
Many retirees assume that if they have enough saved, everything else will work itself out.
Unfortunately, retirement problems are rarely caused by just one issue. More often, they come from multiple disconnected risks compounding quietly over time like,
- Bad Social Security strategies
- Poor tax planning
- Living longer than expected
- Increased inflation
- No protection against the market
- Long-term care exposure
- Poor withdrawal sequencing
- Healthcare costs
- Elder financial abuse
- Lack of coordination
- Little/No income diversity
The Family Office Retirement Method was built to help bring all those moving pieces together into one coordinated strategy.
Your retirement deserves more than fragmented advice and disconnected planning, now is the right time to explore what a family office approach could look like for your family.
Complete the intake form and schedule the initial conversation while there is still time to proactively shape the years ahead instead of reacting to problems later.
Why More...
Successful Retirees Are Leaving The Traditional Advisory Model Behind!
A Side by Side Comparison
Insurance / Annuity Agent
Asset / Wealth Manager
Traditional Financial Planner
Family Office Planning
Does provide
- Retirement income strategizing
Might provide
*Likely For Additional Fees
- Risk management & insurance review
- Fiduciary responsibility
Does NOT provide
- Portfolio management & rebalancing
- Tax-smart withdrawal planning
- Proactive tax planning coordination
- Social Security optimizaion
- Medicare & healthcare cost planning
- Estate planning coordination (w/attorney)
- Ongoing strategy updates (not just investments)
- Coordination with CPA & attorney
- Household-level planning across accounts
- Proactive planning meetings & accountability
- Down-market protection strategy (before it happens)
- Implementation & follow-through support
- One team / one point of contact
Does provide
- Portfolio management & rebalancing
- Fiduciary responsibility
Might provide
*Likely For Additional Fees
- Retirement income strategizing
- Ongoing strategy updates (not just investments)
- Household-level planning across accounts
- Proactive planning meetings & accountability
- Down-market protection strategy (before it happens)
Does NOT provide
- Tax-smart withdrawal planning
- Proactive tax planning coordination
- Social Security optimizaion
- Medicare & healthcare cost planning
- Risk management & insurance review
- Estate planning coordination (w/attorney)
- Coordination with CPA & attorney
- Implementation & follow-through support
- One team / one point of contact
Does provide
- Portfolio management & rebalancing
- Retirement income strategizing
Might provide
*Likely For Additional Fees
- Tax-smart withdrawal planning
- Social Security optimizaion
- Medicare & healthcare cost planning
- Risk management & insurance review
- Estate planning coordination (w/attorney)
- Ongoing strategy updates (not just investments)
- Household-level planning across accounts
- Proactive planning meetings & accountability
- Down-market protection strategy (before it happens)
- Implementation & follow-through support
- Fiduciary responsibility
Does NOT provide
- Proactive tax planning coordination
- Coordination with CPA & attorney
- One team / one point of contact
Does provide
- Portfolio management & rebalancing
- Retirement income strategizing
- Tax-smart withdrawal planning
- Proactive tax planning coordination
- Social Security optimizaion
- Medicare & healthcare cost planning
- Risk management & insurance review
- Estate planning coordination (w/attorney)
- Ongoing strategy updates (not just investments)
- Coordination with CPA & attorney
- Household-level planning across accounts
- Proactive planning meetings & accountability
- Down-market protection strategy (before it happens)
- Implementation & follow-through support
- Fiduciary responsibility
- One team / one point of contact
Frequently Asked Questions
"Will you do this for anyone?/Who is this not for?"
As long as you are 50+ years old and have at least $1 Million in liquid investible assets you can submit an application, from there you will be reviewed to see if you fit with our team.
"Do I have to move all of my liquid assets?"
Yes, without having access to all of your assets your plan will not succeed. For non liquid assets like real estate we do not need control over, but we do need to be aware of it and it's value. If you have certain accounts you are not sure you can move over, please let us know, there are certain circumstances we can work with where we don't have access to all of the assets immediately.
"What makes family office planning different from a normal financial advisor?"
Traditional advisors often focus primarily on investment management. Family office retirement planning coordinates investments, taxes, healthcare planning, income planning, risk management, and legacy planning together as one integrated strategy.
"Is this only for ultra-wealthy families?"
No, the Family Office Retirement Method was specifically designed to bring family office style coordination to successful pre-retirees with $1 million or more in investable assets.
"Is this a one-time financial plan?"
No, the process includes ongoing reviews and adjustments because retirement circumstances evolve continuously over time.
"Why do you do an application process?"
Because of the extremely large number of people who want our services we cannot work with everyone. However, we accept based off of fit with our team, not off of who has the most assets.
"Can my current advisor be involved or can I continue to self manage my portfolio?"
No, we require that you move all investible assets to us. Our processes in tax planning and protecting you against the risks can easily be thrown off by another advisor changing investment strategies.
"Do clients lose control of their money?"
No, assets remain securely held at third-party custodians and clients maintain direct access to their accounts at all times.
"Why is spouse involvement required?"
Retirement decisions affect the entire household.
The strongest retirement plans are built when both spouses understand the strategy, the goals, and the long-term planning decisions together.
"How is planning delivered?"
Planning is delivered through a coordinated advisory relationship that includes meetings, ongoing reviews, strategic planning sessions, and continuous oversight from the advisory team.
RETIREMENT PLANNING
Investment advisory services are offered through AlphaStar Capital Management, LLC, a SEC Registered investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about AlphaStar Capital Management, LLC is also available on the SEC’s website at www.adviserinfo.sec.gov.
CONTACT US
Main Office: 5350 Poplar Ave., Suite 880, Memphis, TN 38145
Administrative/Registered Office: 1309 Coffeen Ave., Suite 3851, Sheridan, WY 82801
Email: support@retirementriskadvisors.com
Toll free: 1 (855) 491-0400
Text us at: 1 (307) 264-2902
CONTACT US
Main Office: 5350 Poplar Ave., Suite 880, Memphis, TN 38145
Administrative/Registered Office: 1309 Coffeen Ave., Suite 3851, Sheridan, WY 82801
Email: support@retirementriskadvisors.com
Toll free: 1 (855) 491-0400
Text us at: 1 (307) 264-2902
RETIREMENT PLANNING
Investment advisory services are offered through AlphaStar Capital Management, LLC, a SEC Registered investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about AlphaStar Capital Management, LLC is also available on the SEC’s website at www.adviserinfo.sec.gov.
© COPYRIGHT 2024 RETIREMENT RISK ADVISORS. ALL RIGHTS RESERVED.
© COPYRIGHT 2025 RETIREMENT RISK ADVISORS. ALL RIGHTS RESERVED.