Services

Comprehensive Financial Solutions to Support Your Retirement Goals 

At Ethos Capital Management (“Ethos”), we understand that every client’s financial journey is unique. That’s why we offer a range of services, tailored to help you strategize your goals, pursue your ideal future, and build a legacy that endures. Whether you’re preparing for retirement, managing wealth, or planning for future generations, we’re here to help guide you every step of the way.

Income Planning

Our income planning service focuses on crafting a personalized strategy to turn your savings into a steady, sustainable income stream. By considering your goals, expenses, and potential challenges, we help you make informed decisions that support financial stability and confidence.

We can help you:

  • Develop a tax-efficient withdrawal strategy to maximize your income.
  • Optimize the use of Social Security and pension benefits.
  • Identify and address any income gaps with a tailored plan.
  • Evaluate how inflation and market volatility may affect your existing portfolio and long-term goals.
  • Align your income needs with your evolving lifestyle and goals.

Investment Planning

Our Investment Planning focuses on your financial goals, helping you evaluate whether your current portfolio aligns with your needs, risk tolerance, and long-term objectives.

We offer:

  • Goal-Focused Strategies: We help you evaluate whether your current investments align with your long-term financial goals and identify planning opportunities to support those aspirations.
  • Tax-Aware Planning: We review your current investment and income strategies to help identify opportunities to reduce unnecessary tax exposure in retirement.
  • Investment Risk Monitoring: We assess your current portfolio to identify risk exposure and help ensure it remains aligned with your goals as markets and life circumstances change.

Proactive Tax Planning

Struggling with taxes in retirement? Filing is annual—but smart tax planning is ongoing and can help reduce what you owe over your lifetime. Ethos helps simplify the process to help you keep more of your hard-earned money.

Here’s how we make tax management easier for you:

  • Micro Plan – This Year: Focuses on immediate tax-saving opportunities and strategies for the current tax year.
  • Macro Plan – During Your Lifetime: Looks at long-term strategies to minimize taxes over the course of your retirement.
  • Legacy Plan – Passing to Your Beneficiaries: Helps to ensure your wealth is transferred tax-efficiently to heirs or causes you care about.

Healthcare Planning

Healthcare costs can be one of the largest expenses in retirement, but with thoughtful planning, you may be better prepared for potential expenses and reduce the likelihood of unexpected financial strain. We work with you to create a customized strategy that fits your health needs, financial goals, and personal priorities.

With our healthcare planning services, we can help you:

  • Estimate and plan for healthcare costs in retirement.
  • Understand and select the right Medicare coverage options.
  • Explore long-term care insurance or alternative funding strategies.
  • Stress-test your cash flow against potential long-term care needs.
  • Plan for unforeseen medical emergencies with a safety net.

Estate Planning

Worried about preserving your wealth for future generations? We understand the importance of safeguarding both your assets and values. Our team will work with you to create a plan designed for your legacy to endure for years to come.

Here’s how we can help:

  • Generational Wealth Transfer: We help to develop strategies to pass on your wealth to your heirs while reducing taxes, so more of your hard-earned wealth stays in the family.
  • Estate Planning Preparation: We work with you to create a comprehensive estate plan that outlines how your estate will be managed and distributed according to your wishes.
  • Charitable Giving Strategies: Our thoughtful planning for charitable giving not only supports causes you care about but also enhances tax efficiency, allowing you to make a meaningful impact while benefiting your financial legacy.

Start your retirement journey today.

We help to bring confidence and clarity to retirement planning. Contact our team of financial professionals to get started.

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