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Whether it seems a long way off or right at your doorstep, it’s always prudent to prepare for retirement. From investment advisory solutions to estate and tax planning, TrinityPoint Wealth can help with all that goes into having peace of mind to enjoy your well deserved retirement. 

Investment Advisory Solutions

Are you on track to achieving your objectives? Could your investments be doing better? Would a more customized and tax-efficient approach make a difference?

At TrinityPoint Wealth, your personal and financial well-being are paramount to us. So we listen. We want to know what matters most to you, what keeps you up at night, what goals you have set for yourself and your family. We talk about your risk tolerance and time horizon, look at your tax situation, investment history and liquidity needs. Once we have a complete picture, we put our decades of experience to work, customizing an investment strategy with solutions tailored specifically for you.

Central to our investment approach is a broad diversification across a range of asset classes, including global and domestic equities, taxable and non-taxable fixed income, mutual funds and exchange traded funds (“ETFs”). We also employ extensive research and due diligence to uncover private equity and alternative investment opportunities for our high net worth and institutional clients.

After determining an appropriate asset allocation, we carefully construct a custom portfolio that aligns with your goals and risk profile. We will monitor your portfolio’s performance closely and check in with you regularly, rebalancing when changing market conditions or your circumstances warrant it.

Retirement Planning

When you think about your retirement, what does it look like? Are you doing all you can now to make that dream possible? While the sooner you begin, the better, it’s never too late to put a retirement planning strategy in place.

At TrinityPoint Wealth, we start by talking about your goals and priorities to determine how much income you’ll need. Then, we do a thorough evaluation of your assets, including pensions, 401(k), savings, and investments, along with a Social Security analysis. This information helps us define an optimal timeline for your retirement, as well as the steps you’ll need to take. Finally, we put a retirement income strategy in place, which we will review with you on an ongoing basis and adjust whenever necessary. 

By working together, we will help keep you on track so that today’s dream can become tomorrow’s reality!

Looking Ahead With TrinityPoint Wealth

If insufficient time is given to looking ahead and planning for the future you may be blindsided by the issues and expenses associated with retirement. Our team helps people refine their dreams for the future and crafts detailed but flexible plans to achieve those goals. 

There is a misconception that retirement planning should start later in life, but that couldn’t be further from the truth! We are strong advocates for beginning the planning process as soon as possible to reap the most benefits. Regardless of if you are in your early 20s or late 60s, now is the best time to begin planning if you have not already. 

Common Retirement Plans We Advise On

The following are the most common retirement plans we advise clients on:

Defined-benefit Pensions – Defined-benefit plans are characterized by an employer-guided retirement plan which provides employees with a fixed monthly benefit at retirement. These plans are slowly being replaced by hybrid and defined-contribution plans. 

401(k) – A 401(k) is an incredibly ubiquitous defined-contribution plan in which employees save portions of their pre-tax salary into a tax-advantaged retirement account. 

Roth 401(k) – A Roth 401(k) is a defined-contribution plan that differs from a normal 401(k) by being funded with after-tax dollars, allowing withdrawal to be tax-free. This type of plan is especially useful for individuals who expect to be in a higher tax bracket upon retirement. 

403(b) – A 403(b) is a tax-sheltered annuity that is offered by public schools and certain 501(c)(3) tax-exempt organizations. This type of retirement fund can invest in either mutual funds or annuities. This plan also benefits from nondiscrimination testing and lower expense ratios due to less stringent reporting. 

In addition to these common retirement investment vehicles, we also advise on simple IRA plans, cash balance plans, 457 and 401 plans, and more. For more information on these plans, visit our Retirement Plans page here

Social Security & Pension Analysis

Social security and pensions are two different potential cash flow sources with their own unique claiming strategies. Most people are eligible to start claiming social security at age 62 but in many cases this may not be the best time to claim if you want to maximize the amount you receive in benefits. For those individuals who are eligible to receive a pension, there are additional variables to consider. Certain pensions may affect the amount you receive in social security due to the Windfall Elimination and Government Pension Offset provisions. Additionally, pensions may have multiple pay out options such as lump-sum, single life, joint life and period certains. We can help you evaluate these various options and how to maximize or integrate these pensions with social security to develop a strategy that addresses your retirement income needs.

Estate & Tax Planning

How do you wish to transfer your wealth? What kind of legacy are you hoping to leave?


Once we have a clear understanding of your objectives, we do a comprehensive review of all your estate documents and identify any tax consequences. We then coordinate with your outside estate and tax planning advisors to ensure that your plan will enable you to pass on your wealth to the loved ones, organizations and institutions you care about in a smooth, tax efficient manner that clearly addresses your values and intentions. 


Having a pre-established, comprehensive estate plan is key to a smooth transition. Soon after one’s passing, the tedious and sometimes confusing process begins to settle one’s financial affairs. Prioritization of tasks and issues regarding probate court will need to be addressed. Without proper planning, this process can be quite burdensome and overwhelming especially when you are simultaneously mourning the loss of a loved one. However, there are ways to mitigate or avoid the possibility of having your loved ones’ legacy “stuck in probate” and ease the burden of settling an estate.


We will work with you and your attorney to help you settle the estate, including sorting through and reviewing financial and estate documents, assessing the deceased’s pensions and benefits, re-titling assets and identifying any debt. We will continue to assist in managing your estate for the years to come according to your wishes or any changes in your circumstances.

Insurance & Long Term Care Planning

Do you have the coverage you need for yourself and your family in the event of an accident, illness or emergency?

As licensed insurance professionals, we can help protect you from undue risk with life, disability and long-term care solutions tailored to your specific needs and circumstances. Whether it’s finding cost-effective term life coverage for income replacement, coordinating asset protection strategies with long-term care and estate planning or determining if a hybrid long-term care policy makes the most sense for you and your family — our goal is to limit your exposure to potential downside risk and increase your peace of mind.

Charitable Giving Strategies

Are there charities and causes that you and your family are passionate about supporting?

We will work with you to determine optimal gifting strategies to maximize your contribution, as well as your tax savings. Donor advised funds or a qualified charitable deduction (QCD) from an IRA are just some of the ways to accomplish your charitable giving goals. We can explore these ideas and other gifting strategies with you. Whatever the solution, we will make certain that it aligns with your goals and intentions.

Develop A Specialized Charitable Giving Strategy With Us

No matter how you want to give, we can help you determine the best way to go about it for your goals. Give us a call or send us an email to receive more information about our giving strategies.

Health Savings Account (HSA) Strategies

Given the rising costs of healthcare, are Health Savings Accounts (HSAs) a solution you should be considering? HSAs allow you to set money aside on a pre-tax basis to pay for deductibles, copayments, coinsurance and other qualified expenses, which can significantly lower your overall healthcare costs. However, you must be enrolled in a high deductible health insurance plan in order to be eligible to make contributions to an HSA.

This may be a particularly important long-term strategy to have in place for your retirement. HSAs offer a deferred and potentially tax-free way to save and invest for future health expenses, covering out-of-pocket costs and helping to fill the Medicare gap. If you are eligible to establish an HSA under your employer’s health plan, we will discuss with you the tax benefits and growth opportunities, and whether it makes sense for you to maximize this strategy. If you own a small business, we will work with you to determine if offering an HSA plan is the right strategy for your company and your employees.

Financial Life Planning

What is Financial Life Planning and how can it change lives?


Financial Life Planning connects the dots between our financial realities and the lives we long to live. Life Planning focuses on the human side of financial planning – it is truly holistic financial planning. This approach can help you tap into your inspirational fire and make extraordinary and fulfilling things happen in your life. 


The creator of this movement is George Kinder, CFP®. He is the recipient of numerous awards for leadership in the financial planning industry and is famous for his 3 Questions. The 3 Questions are an integral part of the Kinder Institute of Life Planning’s process called EVOKE®, which stands for Exploration, Vision, Obstacles, Knowledge, and Execution. Registered Life Planners® use this mindfulness-based methodology to inspire clients to discover, articulate, and pursue their aspirations.


Financial Life Planning goes deeper than typical financial planning services. Through an in-depth, exploratory process, we guide you in uncovering what’s most meaningful to you — what is your life’s purpose — so you can realign your focus with an ignited personal vision. Then we work with you to organize your finances, mapping out a financial plan to support your life plan and help you begin manifesting the resources you need to live your dreams.


If you would like to experience the 3 questions and the EVOKE® life planning process, please contact us.

Investmet Advisory Solutions
Retirement Planning
Social Security & Pension Analysis
Estate & Tax Planning
Insurance & Long Term Care Planning
Charitable Giving Strategies
Health Savings Accont (HSA) Strategis
Financial Life Planning
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