Tax-smart financial planning for a smoother transition into retirement
Feeling the weight of every decision?
As you approach retirement, there’s more pressure to get things right.
We help you make confident, informed decisions now, so you can move forward with clarity, not regret.
Overwhelmed by everything?
Retirement isn’t one decision — it’s dozens. Social Security, Medicare, income planning, RMDs…
We help you sort through the complexity, prioritize what matters most, and create a plan that brings it all together.
Worried about taxes now and in retirement?
The shift from saving to spending brings a whole new set of tax challenges.
We help you plan for taxes before and after retirement with strategies designed to reduce your lifetime tax burden, not just this year’s bill.
Just some of the questions we help you answer:
When should I start taking Social Security?
What’s the best way to take money out of my retirement accounts?
Should I be doing Roth conversions — and if so, when?
How do I avoid surprises with required minimum distributions (RMDs)?
When should I enroll in Medicare and what coverage do I really need?
How can I make my retirement income last?
What we're working toward
- Clarity and confidence in retirement
You know how much you can spend, where it’s coming from, and how long it will last.
- Avoid costly mistakes
You’re navigating complex financial choices with clarity — so you can avoid missteps that are harder to recover from later in life.
- Lower taxes in retirement — not just now
You’re making smart decisions that reduce your tax burden across decades, not just in the current year.
- A personalized income plan that actually works
You have a clear, flexible strategy for turning your savings into steady income — built around your lifestyle and goals.
- A strategy that reflects what matters most to you
Whether it’s travel, family, giving back, or just peace of mind — your plan is designed around your priorities.
- Ongoing support, even as life changes
You have easy access to a proactive team ready to adjust your plan as your needs and circumstances evolve.
- More time, less stress, and greater clarity
CLIENT STORY:
How Two Educators Built $2.6M and Retired with Confidence
After saving diligently on their own, David and Theresa approached retirement unsure how much they could safely spend or whether they were making the right decisions. Learn how TrueNorth Wealth helped them build a clearer income and tax strategy for retirement.
What we offer you:
A tax-efficient income strategy for retirement
We help you turn your savings into reliable income — with a distribution plan that coordinates across accounts, minimizes taxes, and adapts as your needs evolve.
Guidance for the big decisions that shape retirement
From Social Security timing to Roth conversions, Medicare choices, and RMDs — we help you answer the questions that matter most, strategically and with clarity.
Evidence-based investment management
We don’t chase trends or try to time the market. Your portfolio is built on decades of research, designed to support your long-term goals, and adjusted as your needs change.
A fee-only fiduciary you can trust
We’re fee-only fiduciaries — which means we don’t sell products or earn commissions. Every recommendation we make is built solely around your goals.
Trusted guidance, year after year
We don’t just build the plan — we help you navigate it. As your life changes, we’re here to refine your strategy so it stays aligned with your goals.
We’re here whenever you need us
Have questions or facing a tough financial decision? We’re ready to help. When something comes up, your advisor and support team are just a call or email away.
What our clients say about working with us:
These testimonials have been provided by clients of TrueNorth Wealth as of 01/01/2026. They have not been paid or received any other compensation for sharing their opinion and experience with our firm.
Common questions and concerns
How easy will it be to get started?
We pride ourselves in making onboarding easy. Our team manages the paperwork, coordinates account transfers, and ensures everything is set up smoothly and tax-efficiently.
What is your investment strategy?
We don’t believe in chasing trends or timing the market. Our investment approach is grounded in decades of academic research and real-world results. We focus on diversification, low costs, and disciplined rebalancing — building a portfolio designed to grow your wealth while aligning with your goals, risk tolerance, and timeline.
How do my other trusted advisors fit in?
We work closely with your existing team to ensure everything — from tax strategy to estate planning — is aligned and executed effectively.
Will I REALLY have access to my advisor when I need them?
Absolutely. Whether you’re facing a major decision or just need quick advice, we’re always available to provide expert guidance. We’re only a phone call or email away.
How is your fee structure set up?
TrueNorth Wealth is a fee-only firm, meaning we don’t earn commissions, kickbacks, or incentives for recommending certain investments. We charge a small fee based solely on the assets we manage — aligning our success with yours.
Our Fee Schedule
Managed asset minimum: $500k
| Assets Under Management with TrueNorth Wealth | Fee |
|---|---|
| $0 - $1,000,000 | 0.88% |
| $1,000,000 - $2,000,000 | 0.82% |
| $2,000,000 - $4,000,000 | 0.74% |
| $4,000,000 - $6,000,000 | 0.68% |
| $6,000,000 - $10,000,000 | 0.62% |
| $10,000,000+ | Concierge |
*We have a custom fee schedule for group 401(k) plans on a case-by-case basis as well as a $1000 start up fee for new 401(k) and Cash Balance plans.
We’re happy to answer any and all of your questions around fees during your free strategy session.
Are there any commitments involved with the free strategy session?
This session is a chance for us to get to know you, understand your financial goals, and offer initial advice and recommendations — completely obligation-free. Whether or not you choose to move forward is entirely up to you.
Free Strategy Session
Do you have a plan for the big decisions that come with retirement?
Schedule your free session to:
- Tell us about yourself
- Uncover opportunities you may be missing
- Receive personalized recommendations to help you achieve your financial goals