When you choose to work with us, you’re getting more – more income, more expertise, more commitment to you in your retirement.
We started our company with one belief: There is a better way to serve people in and approaching retirement – one that’s more personalized and specialized. We still believe that and we practice it every day.
We are committed to helping you manage your savings in a way that makes it last as long as possible. We help you do that by managing the details, and the result is your savings can last years longer. We don’t just say that. It’s backed by research published in the most esteemed financial journals.
We are the industry experts in retirement income strategies. We’ve written and published more about it than anyone in the industry. Take a look below at the list of some of our published research.
We are real fiduciaries. We will always put your interests ahead of our own, and we’ll never recommend that you take an action that isn’t suitable for your retirement.
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Meet The Retirement Experts
William Meyer
Founder and CEO
Throughout his career, William Meyer has looked for new ways to deliver higher quality advice to people in retirement. He has a unique combination of experiences in leading the design and launch of innovative client-centric services and products, as well as leveraging technology in service offerings.
Early in Bill’s career, he learned financial planning techniques for the affluent, and has strived to apply those insights to all households regardless of wealth. He has a track record of successfully developing products and services in executive leadership roles at H&R Block, Advisor Software, and Charles Schwab.
He has an MBA from UCLA’s Anderson School and is a former Trustee of the Securities Industry Institute at Wharton.
Dr. William Reichenstein, CFA
Principal – Research
Dr. William Reichenstein, CFA, holds the Pat and Thomas R. Powers Chair in Investment Management at Baylor University. His recent work concentrates on the interaction between investments and taxes. He advocates calculating an individual’s after-tax asset allocation that is based on after-tax balances in each savings vehicle.
He is the author of In the Presence of Taxes: Applications of After-Tax Asset Valuations (FPA Press, 2008), and coauthored with William Jennings Integrating Investments & the Tax Code (John Wiley & Sons (2003).
He is an Associate Editor of Journal of Investing, Contributing Editor-Portfolio Strategies for (American Association of Individual Investors) AAII Journal, and served two three-year terms as Associate Editor of Financial Services Review. He is a member of the Editorial Review Board of Journal of Financial Planning, Advisory Board of Journal of Wealth Management, and Editorial Board of Journal of Financial Education. He is a TIAA-CREF Institute Fellow, past president of the Southwestern Finance Association, and served on the Private Wealth Advisory Committee of the Institute of Chartered Financial Analysts.
Additionally, he has written more than 150 articles for professional and academic journals. He is a frequent contributor to Journal of Financial Planning, Journal of Investing, Financial Analysts Journal, Journal of Portfolio Management, and Journal of Wealth Management.
Our founders, William Meyer and Dr. William Reichenstein, are the most published on both tax-efficient withdrawal strategies and Social Security claiming strategies:
April 2022, Social Security Strategies: How to Optimize Retirement Benefits – 4th Edition, Reichenstein and Meyer
March 2022, Journal of Financial Planning – “Social Security Redo Strategies for 2022”
March 2022, Journal of Financial Services Professionals – “Social Security Coordination to Create a Tax-Efficient Withdrawal Strategy”
December 2021, Journal of Financial Planning – “Tax Considerations for Relatively-Wealthy Households,”
Fall 2021, Journal of Retirement – “How Social Security Coordination Can Add Value to a Tax-Efficient Withdrawal Strategy”
October 2021, Advisor Perspectives – “The Importance of Marginal Tax Rates in Retirement planning”
September 2021, Journal of Financial Planning – “Minimizing Damage of the Tax Torpedo”
May 2021, Journal of Financial Planning – “Social Security Strategies for Singles and their Implications for Couples”
January 2021, Journal of Financial Planning –“Advice for Married Couples when One Spouse Dies Years before the Other Spouse”
October 2020, Journal of Financial Planning – “How to Add Tax Alpha in Today’s Environment”
Summer 2020, Journal of Retirement – “Investing Implications of Rising and Falling Marginal Tax Rates for Retirees”
June 2020, Advisor Perspectives – “Asset Location-Decision and Related Topics”
June 2020, AAII Journal – “The Relationship Between Wealth and Delaying Social Security”
February 2020, Journal of Financial Planning – “Using Roth Conversion to Add Value”
Winter 2019, Journal of Wealth Management – “Medicare and Tax Planning for High Income Households”
Winter 2019, Journal of Retirement – “Optimizing Social Security Benefits is Still Complicated,” Meyer and Reichenstein
July 2018, Journal of Financial Planning – “Understanding the Tax Torpedo and Its Implications for Various Retirees,” Meyer and Reichenstein
April 2018, AAII Journal – “Social Security and Medicare Can Raise Retirees’ Tax Rates,” Meyer and Reichenstein
March 2018, AAII Journal – “Retirement Planning Strategies Following the 2017 Tax Act,” Meyer and Reichenstein
November 2017, Journal of Financial Planning – “Valuing Roth Conversions and Recharacterizations in Options,” Meyer and Reichenstein
Spring 2017, Social Security Strategies: How to Optimize Retirement Benefits, 3rd Edition, Reichenstein and Meyer (Available on Amazon.com)
September/October 2016, Investment Wealth Monitor – “Why the Conventional Wisdom is Never the Optimal Withdrawal Strategy,” Meyer and Reichenstein
Spring 2016, The Journal of Retirement – “Social Security Claiming Strategies for Widows and Widowers,” Meyer and Reichenstein
June 2016, Journal of Financial Planning – “Redo Strategies: When Can You Redo a Prior Social Security Claiming Decision,” Meyer and Reichenstein
March/April 2015, Financial Analyst Journal – “Tax-Efficient Withdrawal Strategies,” Meyer and Reichenstein
January 2014, Journal of Financial Planning – “Social Security’s Earnings Tests: A Primer for Financial Planners,” Meyer and Reichenstein
January 2014, Journal of Financial Service Professionals – “Greatly Reduced Life Expectancy: How Should It Affect a Couple’s Social Security Claiming Strategy?” Meyer and Reichenstein
Summer 2014, The Journal of Retirement – “Social Security Benefits for Employees in Jobs Not Covered by Social Security,” Meyer and Reichenstein
November 2013, Journal of Financial Planning – “The Asset Location Decision Revisited,” Meyer and Reichenstein
Spring 2013, The Retirement Management Journal – “The Tax Torpedo: Coordinating Social Security with a Withdrawal Strategy to Minimize Taxes,” Meyer and Reichenstein
Fall 2012, The Retirement Management Journal – “Social Security Claiming Strategies for Singles,” Meyer and Reichenstein
April 2012, Journal of Financial Planning – “How the Social Security Claiming Decision Affects Portfolio Longevity,” Meyer and Reichenstein
May 2010, Journal of Financial Planning – “Social Security: When Should You Start Benefits and How to Minimize Longevity Risk,” Meyer and Reichenstein
Summer 2012, Journal of Wealth Management – “Today’s Low Interest Rate Environment and Social Security Claiming Decisions,” Reichenstein and Meyer