Retirement and income planning
Turning what you saved into a paycheck that keeps arriving: which account to draw from first, when to claim Social Security, and what the income does if one of you outlives the other.
Savino & Associates
We know the whole picture.
Retirement, tax, estate, insurance, small business. Most people have three separate professionals for that, and none of them talk to each other.
What we do
These four keep changing each other. We handle them in one place, because deciding them separately is how people get hurt.
Estate and legacy planning
Where the assets actually go, and whether the beneficiary designations still say what you think they say. Documents included.
Insurance and protected income
Life, disability, long-term care, and guaranteed income. Reviewed against what you already hold, and only where it earns its place in the plan.
Tax planning and preparation
Returns filed accurately, then read properly: conversion windows, withdrawal order, and the thresholds that raise your Medicare premium two years later.
Business owner planning
Compensation, entity structure, and the eventual handover, planned against your personal balance sheet rather than separately from it.
Book cleanup and tax readiness
We do not file a business return from unreconciled books. Where yours need work first, we bring them to a defensible standard before anything gets filed. Ongoing monthly bookkeeping runs through a partner firm.
Our approach
A Roth conversion moves your Medicare premium two years later. Selling the business changes when you should claim Social Security.
Nothing here moves on its own, so we do not plan it that way. How much of it we handle is up to you.
Our clients
People somewhere between fifty-five and seventy-five, for whom retirement has stopped being hypothetical and has become a set of decisions with dates attached.
Small business owners, at any size. Most arrive for the tax work and stay for the entity questions, the planning, and eventually the handover.
Families who would rather have one person who knows the whole picture than three who each know a piece of it.
What to expect
How the work goes
You talk to the person doing the work
The firm is small on purpose. There is no account team, and nothing gets handed down a chain.
Advice comes before any product
Nothing is recommended until the plan explains why it belongs there. That order never reverses.
You hear about problems early
If a decision is going to cost you, we say so at the time rather than at filing.
The firm
We cap the client list
There is a limit on how many households we take on. Not every inquiry becomes an engagement. Call, and you get the person who did the work.
Also available
For clients who want their planning governed by an explicit framework rather than handled case by case, we offer the Joseph Method™: seven pillars covering income, protection, tax, investing, legacy and giving, assessed one at a time and governed together. It is stewardship-oriented and faith-informed, offered selectively rather than by default, and most of our work does not involve it.
Start with a conversation
Tell us what you are trying to decide and we will tell you plainly whether we are the right firm for it. If we are not, we will point you at someone who is.