Retirement Planning

“The harder you work, the harder it is to surrender.” – Vince Lombardi

The concept of retirement can be starkly different from family to family and represents much more than a number or a date on the calendar. For some it may mean traveling the globe, seeking out the world’s wonders and glory. For others it may be gaining the beauty of more time home with family and friends after a long and successful career. At Spurstone, retirement presents the opportunity of financial freedom, allowing you to commit more of your time to family, adventures and projects that may not have been possible throughout your working career.

Executive retirement planning is a personalized process by which we craft the financial future you desire. Together, we define the vision of your retirement, assess and fine tune your goals and implement strategies seeking to secure your objectives. At Spurstone you will benefit from a holistic approach to retirement planning executed by a team of knowledgeable financial planning specialists.

Below are some of the key areas we address in executive retirement planning:


Changing your employment status may be accompanied by a change of salary and income. Securing predictable and tax efficient income becomes a paramount issue in any comprehensive retirement plan.

Many successful executives have access to multiple, often complex, benefit choices through their employer. These benefit plans can be utilized as fantastic tools for executive financial planning. By customizing compensation packages, streamlining income sources and hedging market volatility, we seek to create stability and efficiency for long-term retirement income.


Inflation is a true silent wealth killer. When planning for retirement, it is prudent to proactively address this substantial risk. An overly conservative retirement investment approach can be damaging if your investments are unable to keep up with inflation. We work with clients to maintain diversification while seeking to overcome the effects of inflation.


It is common for executives to have access to multiple deferred compensation programs (401k, supplemental 401k, deferred comp, SERP plans, etc.). Leveraging these benefits as retirement savings vehicles, and eventually income sources, are key ingredients to a comprehensive executive retirement plan. How you contribute and withdraw from these can have substantial impacts to your tax and savings scenarios.

Our team works with clients to ensure they understand the intricacies, benefits and risks of each available option. We then integrate these benefits into the holistic wealth plan while seeking to achieve increased efficiency and success.


Retirement planning for executives often extends far ahead of and far beyond the actual date of retirement. Each type of equity compensation will have various vesting and expiration features as well as changing tax implications. As a key specialty of our firm, we work with executives to manage equity compensation portfolios while seeking to maximize value, limit risk and mitigate taxes. Multiple strategies can be considered to pursue these objectives and are often executed over multiple years in order to enhance efficiency. Our team will monitor and advise on these strategies throughout your relationship with the firm striving to restore your most valued commodity: time.


Mitigating taxes is always a top priority. Exposure to excessive taxes causes a substantial risk to your wealth and your ability to manage financial goals. Oversights in planning, execution and operations have caused countless investors to be subject to excessive taxes, often without their knowledge.

By analyzing goals, wealth and income, we seek to limit the impact of taxes. By working in concert with your CPA and tax attorney, we act proactively in addressing these risks on multiple fronts in an effort to protect the assets you have earned throughout your lifetime.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. This information is not intended to be a substitute for a specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor. Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual.