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© City Center Financial, LLC

Income Planning

A successful retirement isn’t just about how much you’ve saved — it’s about how effectively you can turn those savings into dependable income. At City Center Financial, we focus on creating customized income strategies that help you maintain your lifestyle and preserve your financial independence throughout retirement. We take the time to understand your full financial picture and guide you through key decisions, such as how to strategically file for Social Security, how to evaluate pension payout options, and how to structure withdrawals from retirement accounts in a tax-efficient way. We’ll also help align your income sources into a coordinated plan designed to support both your short-term needs and long-term goals. Whether retirement is years away or just around the corner, we’re here to give you clarity and confidence every step of the way.

Wealth Management

Your retirement savings should do more than sit idle — they should continue working for you. At City Center Financial, our wealth management strategies are designed to help you grow and preserve your assets with purpose. Our portfolio strategies are built with your specific retirement timeline, income requirements, and risk comfort in mind. Whether the focus is on generating income, protecting against market volatility, or keeping pace with inflation, we’ll help your investments stay aligned with your evolving retirement plan. Through ongoing monitoring and proactive adjustments, we aim to help you make the most of what you've worked hard to build — not just today, but for the years ahead.

Tax Strategies

Taxes don’t stop in retirement — and without a plan, they can take a bigger bite out of your income than necessary. At City Center Financial, we take a proactive approach to tax planning, helping you structure your retirement income in a way that aims to reduce unnecessary tax exposure year after year. From optimizing withdrawals and planning Roth conversions to managing capital gains and coordinating across tax-advantaged accounts, we focus on strategies that keep more of your money working for you. With thoughtful, forward-looking planning, we’ll work to minimize your tax burden and support the long-term growth and sustainability of your retirement plan.

Estate Planning

A well-crafted estate plan is about more than passing on assets — it’s about protecting your legacy, minimizing confusion, and ensuring your wishes are honored. At City Center Financial, we help you think through the key decisions that shape the future of your estate, from beneficiary planning and asset titling to tax-efficient transfer strategies. Working in coordination with estate planning attorneys, we help you organize and align your financial plan so everything works together seamlessly. Whether your goals involve providing for loved ones, supporting charitable causes, or reducing potential estate taxes, we’re here to make the process clear, intentional, and focused on what matters most to you.

Risk Mitigation

Every retirement faces risks — smart planning helps you stay ahead of them. At City Center Financial, we focus on helping you prepare for the financial uncertainties that can disrupt your retirement. From market volatility and healthcare costs to inflation and longevity, we’ll work with you to build safeguards into your plan that help preserve your wealth and provide lasting security.

Our Process

  • Discover

    Our client relationships begin with gathering your information and determining your goals and expectations. We make sure that we’re crystal clear about what you want to achieve before providing any advice.

  • Analysis

    Having thoroughly analyzed your situation, your goals, your timeframe, your risk tolerance and other factors, our team develops clear, straightforward recommendations.

  • Advise and Implement

    Finally, we agree on who will monitor progress toward your goals. If we handle that responsibility, we will periodically review the situation with you and adjust recommendations as needed.

  • Monitor and Evolve

    We don’t just give our clients plans and then move on to new business. We actively monitor your progress, make course corrections and, if your goals change, adjust for a new destination.

FAQ

What is an independent financial advisor?
Independent Registered Investment Advisers are professional independent advisory firms that provide personalized financial advice to their clients, many of whom have complex financial needs. Because these advisors are independent, they are not tied to any particular family of funds or investment products. As fiduciaries, they are held to the highest standard of care—and are required to act in the best interests of their clients at all times. They are registered with either the Securities and Exchange Commission or state securities regulators.
What does being a Fiduciary mean?
A fiduciary is a professional entrusted to manage assets or wealth while putting the client’s best interests first at all times. Financial advisors who follow a fiduciary standard must disclose any conflict, or potential conflict, to their clients prior to and throughout the advisory engagement. Fiduciaries will also adopt a code of ethics and will fully disclose how they are compensated.
What separates us from other financial advisors?
A combination of independence, comprehensive service and client focus sets us apart. As an independent Registered Investment Advisor, we aim to provide the best advice for each client’s specific situation and needs without concerning ourselves with the agenda of a parent company. Our services range from financial planning and investment management to assisting clients in organizing estate plans - we can meet a wide range of needs under one roof. Finally, we are oriented toward providing each client the attention and service they deserve. We treat our clients as individuals and not numbers.
Where is my money kept?
In our advisory role, we never take custody of client assets. We utilize Charles Schwab & Co., Inc. as the custodian of client accounts and as our primary broker. Our relationship with Charles Schwab & Co. is an arm’s length transaction with no exchange of funds between Charles Schwab & Co., Inc. and us. When your account is established with Charles Schwab & Co., Inc., you provide us with limited trading authorization on your account. This authority allows us to process trades directly in client accounts.
What are your fees?
We use a fee-based compensation model to best align our service with our clients' interests. By charging a flat percentage of clients' assets under management for advice and investment management, we minimize potential conflicts of interest and sit "on the same side of the table" with our clients.
How do I begin?
Typically, we only need a copy of your most recent account statement and your signatures on a few forms. We will take care of setting up your new account and transferring your assets.