Life Transition
Retirement (The Third Act)
Transitioning from wealth accumulation to purpose-driven distribution.
$15B+
SEC-Registered
Forbes Financial Council
Barron’s Recognized
40+ Years Combined
How We Help
- 1
Cure Relevance Deprivation Syndrome by balancing a mathematical Security Floor (the financial minimum needed to sustain lifestyle) with a Eudaimonic Ceiling (the purposeful activities that give the Third Act meaning).
- 2
Design tax-efficient distribution strategies — Roth conversion ladders, Social Security timing, RMD management — that maximize after-tax income while preserving the portfolio for longevity.
- 3
Ensure wealth translates into Psychological Richness — structuring time, community, and engagement so retirement becomes the most generative chapter, not the most idle.
Connected to the Human Wealth™ Ontology
This advisory focus area connects directly to the following components of the Human Wealth™ framework.
Element
Financial Security
The capacity to absorb financial shocks and meet lifestyle needs without existential stress. Combines high-liquidity defenses with long-term solvency, providing the 'License to Chill' required for higher-order thinking.
Element
Autonomy
The experience of volition and self-endorsement of one's actions. Freedom from coerced financial decisions — the ability to say 'no' to toxic work or 'yes' to a passion project.
Element
Community Connection
Active participation, belonging within a group, and the deployment of identity and skills into the world. The structural engagement architecture where values and capabilities are applied.
Metric
Third Act Index
TAIYour readiness for post-career life — measuring both the financial security floor and the eudaimonic (purpose) ceiling.
Life Transition
Retirement
Cessation of primary career labor — a fundamental restructuring of identity, income, and daily rhythm.
Security Floor × Eudaimonic Ceiling
Third Act Readiness
I am actively passing on knowledge, values, or skills that will outlive me.
I have engaging interests and roles that are independent of my career.
When I imagine my next chapter, I feel genuine excitement rather than dread.
I feel comfortable with my current financial situation.
Ready to get started?
Let's build a plan that accounts for the whole picture.