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Retirement Transitions


For more than 20 years, Waite Financial Group has been guiding individuals to and through retirement, and we take great pride in helping our clients gain financial peace of mind so they can focus their attention on the people and causes they love.

We understand the uncertainties you may feel as you approach this major life milestone, and it’s normal to wonder if you are fully aware of your options. In fact, without a guide to provide perspective and a tangible plan for getting to retirement, many individuals will retire lacking the peace of mind to fully enjoy their "golden years."

While many financial advisors will confirm your ability to retire, we take retirement planning a step further by helping you fully understand your financial capacity. We don't want you to wake up with regret later in life because you didn’t fully enjoy your resources while you were healthy and able. That’s why we coach and encourage our clients to spend their resources, give generously, and live out their legacy—and this is something they regularly thank us for.


Make complex distribution strategies simple to understand.

Integrate tax efficient strategy, wealth accumulation, and risk management into a comprehensive financial plan.

Provide strategies to help maximize your final years of work while optimizing your approach to unwinding your resources (Up and Down the Mountain®).

Leverage a proven process to help you create an ongoing income stream that feels much like the paychecks you received during your working years.


(Retirement Preparation)

  • Develop your financial plan to act as your map on your journey up and down the mountain.
  • Help you clearly understand your financial capacity.
  • Advocate for you maximizing your time, versus maintaining status quo.
  • Identify and manage your risks (Ex. Long-term care)


(Retirement Transition)

  • Guide you through the decision of choosing a retirement date.
  • Provide reassurance and peace of mind that you have a personalized plan that will allow you to achieve your goals.
  • Assist you in the execution of transitioning benefits (Ex. Retirement account, health insurance, etc.)
  • Provide life and leadership coaching to help launch you into the next phase of life.


(Retirement Legacy)

  • Advocate for living life intentionally and living your legacy.
  • Coordinate the distribution from your different investment tools, allowing you to focus on what matters most in life.
  • Guide your navigation of the tax code to minimize tax exposure over time.
  • Provide ongoing planning, empathy, and care for your spouse and loved ones you one day leave behind.

Financial representatives do not render tax advice. Consult with a tax professional for advice that is specific to your situation.