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Guiding Retirees

Through Every Stage of Life Beyond Work 

We help retirees conserve what they have built, plan for evolving needs, and grow confidence in long-term financial security.

We guide retirees through income planning, healthcare decisions, and multigenerational priorities, helping them protect their assets and support the life they intend to live.

CHALLENGES

Retirement brings freedom — and new financial considerations.

Life after full time work introduces decisions around income stability, spending, healthcare, and legacy. We help bring clarity to the choices that shape long range financial well being.

What we solve for:

  • Determining sustainable withdrawal strategies
  • Coordinating Social Security and pension benefits
  • Growing healthcare and long term care costs
  • Transitioning from earning to spending
  • Market volatility affecting retirement income
  • Desire to support children, grandchildren, or charitable goals
Solutions

A Disciplined Framework for Retirement Wealth

Purpose built strategies designed around income longevity, spending stability, and multigenerational priorities.

  • Retirement Income and Distribution Strategies

    Guidance that aligns portfolio withdrawals, Social Security timing, pensions, and annuity considerations to support a stable lifetime income.

  • Integrated Tax and Healthcare Planning

    Coordinated planning across Medicare, healthcare expenses, required distributions, and tax efficient spending strategies.

  • Trust, Estate, and Legacy Planning

    Ensuring assets, intentions, and long term family goals remain aligned across generations.

  • Long-Term Financial Planning for Retirees

    Cash flow clarity, risk management, charitable planning, and structured support for evolving needs in retirement.

Client Journey

Building a comprehensive strategy for a couple who had just stated retirement

Background

A recently retired couple with significant savings and multiple accounts lacked a coordinated income plan. They needed clarity around withdrawal rates, tax exposure, and how to structure spending to support a comfortable lifestyle.

Challenges

The couple faced scattered accounts, inconsistent tax planning, unclear Social Security timing, and uncertainty around healthcare and long term care expenses. Market swings added anxiety about sustaining income for decades.

Action

TFG developed an integrated retirement income strategy aligned with Social Security decisions, Medicare planning, and tax efficient withdrawal sequencing. The team consolidated accounts where appropriate, updated estate documents, and built a long term plan that adjusted for healthcare needs and future family goals.

Outcome

The couple gained a clear, sustainable income plan, reduced tax exposure, and renewed confidence in their long term financial security. With organized accounts, consistent planning, and a solid framework for evolving needs, they entered retirement with stability and peace of mind.

Your Advisory Team

Your advisory team includes attorneys, CPAs, valuation specialists, and banking partners who guide key financial decisions.

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JARED HAMMERS, CFA

Portfolio Manager

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SCOTT McGHIE, CFA

Director of Portfolio Management

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JUSTIN KOHLER, CFP®, CAIA®

Wealth Advisor

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BESS BUTLER BRUNSON, CFP®, CTFA

Wealth Advisor

INSIGHTS FOR RETIREES
Financial Planning & Retirement 401(k)

Year-End Action Items for Participants

February 2026 By: KYLE POWERS, CFP®, MBA, AIF
Beyond the Numbers Advisor Q&A

Planning for the Next Generation: Insights from Bess Butler Brunson

February 2026 By: BESS BUTLER BRUNSON, CFP®

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Conversations
That Endure.

Every relationship begins with understanding — of priorities, values, and legacy.

For families seeking a partner who measures success in decades rather than quarters, we welcome the opportunity to connect.

The Fiduciary Group, LLC (“TFG”) is registered with the United States Securities and Exchange Commission as an investment adviser. Brokerage and investment advisory services and fees differ and it is important for you to understand the differences between them. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing. Page 1 of 2 ITEM 2: What investment services and advice can you provide me? CONVERSATION STARTERS: Ask Your Financial Professional… “Given my financial situation, should I choose an investment advisory service? Why or why not?” “How will you choose investments to recommend to me?” “What is your relevant experience, including your licenses, education, and other qualifications? What do these qualifications mean?” We offer investment advisory services to retail investors.

TFG primarily provides wealth management services to high-net-worth individuals and families, and investment management services for trusts, estates, pension, 401(k) and profit-sharing plans, nonprofit organizations, and other legal entities. Where requested, the principals of TFG accept appointments in their individual capacity as trustee, executor, and/or power of attorney

We offer a wide range of wealth management services to our clients who own separately managed accounts. We work with each client to establish an appropriate investment policy statement (IPS) based on the client’s objectives, unique circumstances, time horizon, and risk tolerance. We generally invest client assets in domestic and international stocks, bonds, mutual funds, and exchange traded funds (“ETFs”).

© Copyright 2026 The Fiduciary Group