For Pre-Retirees and Retirees

Retirement planning where your investments and your taxes finally work together.

You have saved diligently. Now the hard questions start: when to retire, how to turn savings into steady income, when to take Social Security, and how to avoid handing the IRS more than necessary over the next 30 years. At Shetland Financial, the person managing your investments is also a CPA, so your withdrawal strategy, your tax plan, and your portfolio are built as one. That coordination, including Roth conversions in the right years, tax-smart withdrawal sequencing, and Social Security timing, is where tax-efficient retirement income is won or lost. Fee-only and flat-fee. No annuities, no commissions, no products.

What you get

Tax-efficient retirement income and withdrawal sequencing. We decide which accounts to tap, and when, to stretch your savings further.

Roth conversion and Social Security timing. Small timing decisions now can save a great deal over a 30-year retirement.

One fiduciary for investments and taxes, not two firms guessing. Your portfolio and your tax plan are built by the same person.