Crafting Long-Term Confidence for the Next Chapter of Your Life
At Moisand Fitzgerald Tamayo, LLC, retirement planning is about more than choosing when to stop working. It’s about building a clear, flexible strategy for how you’ll spend, save, withdraw, and protect your wealth so that you can enjoy retirement with confidence.
As truly independent, fee-only fiduciaries, your successful retirement plan is our priority. Whether you’re a mid-career professional, a pre-retiree, or a retiree, we can help you craft a satisfying retirement.
A Disciplined Retirement Strategy Benefits You for Years to Come
Our role is to help you focus on what matters most to you: your lifestyle, your priorities, your family, and your peace of mind when you enter your 60s. Through disciplined strategy and holistic planning, we help you make smart decisions that will help your wealth prosper.
What Retirement Planning Means at Moisand Fitzgerald Tamayo
We integrate comprehensive planning with thoughtful investment stewardship so your retirement strategy works as a single, coordinated system. Our approach includes:
Retirement Income Planning
We help you identify where your retirement income will come from, including Social Security, investment portfolios, pensions, and other sources. From there, we organize those income streams into a clear, sustainable plan over time.
Tax Aware Withdrawal Strategy
The order and timing of withdrawals can significantly impact your taxes. We develop strategies across account types such as taxable accounts, IRAs, 401(k)s, and Roth accounts to improve efficiency and reduce unnecessary tax exposure.
Investment Strategy for Retirement
Your investment portfolio should support your retirement goals, not operate separately from them. We focus on diversification, cost efficiency, tax management, and disciplined implementation aligned with your time horizon and income needs.
Risk Management and Portfolio Construction
Retirement introduces new risks, including market volatility, inflation, longevity, and unexpected expenses. We design portfolios and planning strategies intended to help you manage these risks while maintaining stability.
Ongoing Guidance Through Life Changes
Retirement is not a one-time decision. It is an ongoing process. We regularly review your plan and make adjustments as markets shift, tax laws change, and your personal circumstances evolve.
Who We Serve
Our retirement planning services are built for people who value clarity, proactive decision-making, and a long-term advisory relationship. We tailor each plan to your stage of life, helping ensure your strategy evolves as your needs change.
Mid-Career Professionals
Pre-Retirees
Retirees
Retirement Planning for Mid-Career Professionals
During your peak earning years, retirement planning is about building momentum while balancing competing priorities. We help mid-career professionals align savings strategies, manage cash flow, optimize workplace benefits, and make investment decisions that support long-term growth without losing sight of today’s financial demands.
Retirement Planning for Pre-Retirees
As retirement approaches, the focus shifts from accumulation to coordination. We help pre-retirees turn savings into a strategy by evaluating income sources, planning withdrawals, managing tax exposure, and preparing for key decisions like Social Security timing and healthcare costs so the transition into retirement is thoughtful, not rushed.
Retirement Planning for Retirees
In retirement, the goal becomes sustaining income, managing risk, and preserving flexibility. We help retirees structure income streams, coordinate distributions, monitor investment risk, and adjust strategies over time so their plan continues to support both lifestyle and long-term security. We help prepare for potential healthcare or long-term care expenses and ensure your family has a trusted team of experts to help with the finances when you are no longer as involved.
Our Fiduciary Commitment
As a 100% independent, employee-owned firm, we are compensated solely by our clients through transparent, fee-only arrangements. We believe people can get better results when the recommendations they receive aren’t bought and paid for by an outside party. We do not receive commissions, product fees, or outside incentives. Our only allegiance is to your best financial interest.
That structure supports what clients want most from retirement planning: objective advice, disciplined implementation, and guidance built around your goals.
The Tax Numbers You MUST Know
The tax code is complex. To manage your taxes, there are key numbers you MUST know! Regardless of your stage of life, our free guide highlights the most elemental of these numbers. Get it today. UPDATED FOR 2026!
(If you are a current MFT client and want access to this document please contact your client service manager.)
Start Your Retirement Planning Journey
If you’re ready for retirement planning that’s grounded in fiduciary integrity and tailored to your life, let’s talk. Schedule an introductory call to explore how we can help you bring structure, strategy, and long-term peace of mind to your retirement plan.
Retirement Planning FAQs
1. What does it mean that Moisand Fitzgerald Tamayo is fee-only and a fiduciary?
Being fee-only means we’re paid solely by our clients, never commissions or product compensation. We believe people can get better results when the recommendations they receive aren’t bought and paid for by an outside party. As fiduciaries, we’re required to act in your best interest at all times, putting your goals first.
2. When should I start retirement planning?
The best time is before retirement feels “close.” The earlier you plan, the more options you have, but strong planning can be valuable at any stage, including right before (or after) retiring. At MFT, we work with clients in every season, including mid-career professionals, pre-retirees, and retirees.
3. Is retirement planning just about investment management?
No. Investments are critical, but only one part. Retirement planning also includes income planning, tax strategy coordination, withdrawal sequencing, risk management, and ongoing decision support.
4. How do you help with retirement income planning?
We build a plan that coordinates income sources like Social Security and portfolio withdrawals, so your spending plan is sustainable and adaptable over time.
5. How do you approach taxes in retirement?
We plan withdrawals with tax impact in mind, coordinate around major financial events, and help reduce avoidable surprises that can present in higher tax brackets or inefficient distributions. Our licensed tax advisors can give specific tax advice, not merely generalized tax planning suggestions. Further, they will stand by that advice, not reject responsibility via a disclaimer. In fact, our tax advisors can even represent clients in front of the IRS, should an issue arise.
6. What’s your investment philosophy for retirees and pre-retirees?
We rely on real research, not anecdotes or stories from sales departments, to inform our investment management methods focused on long-term outcomes, broad diversification, and disciplined execution that is designed to support your plan. We design your investments so every holding in every account is there because it is the best choice given your unique circumstances, goals, risk profile, and tax considerations, not because of inertia, or worse, because a third party is paying us on the side. Our process assures you understand what we will do with your investments before we do anything.
We monitor portfolios continually, and when adjustments to the portfolio need to be made, we make the changes for you. We keep you informed every step of the way.
7. Who is a good fit for your retirement planning services?
Our services are best suited for individuals and families who value comprehensive planning and ongoing advice. We generally work with clients who have approximately $1 million or more in investable assets, or who are on a clear path toward that level, allowing us to deliver the depth of service our approach requires. Our clients view their money as a tool to support their life, not a hobby. They want to hire trusted experts, so they don’t have to spend as much of their most valuable resources of time, energy, and attention on financial matters.