You’ve spent a lifetime building your wealth; now it’s time to ensure it’s structured to fund your best years. We help turn your success into lasting stability, meaningful security, and proof that the work you put into your career was more than worth it.
With the freedom of newfound time, the only question you should be asking yourself is how to spend it. We’re here to make sure you can answer it freely.
Whether you’re aiming for an early retirement, looking to travel the world, or simply excited to live life on your terms, our retirement planning services are built to help you get there with a clear, personalized plan that transitions smoothly from one chapter to the next.
Turn your savings and investments into a steady, reliable income stream that lasts throughout retirement—and even beyond.
Get the most value from your retirement accounts with structured drawdowns and a more intentional approach to saving and investing.
Know exactly when and how to claim your benefits so you walk away with everything that’s rightfully yours.
Retire with a clear understanding of your after-tax wealth through tax strategies put in place before they’re needed—not after.
Our structured risk profile reductions weigh inflation against long-term retirement needs and immediate tax consequences of rebalancing.
Make sure the wealth you build in retirement carries your values and your story forward for generations to come.
Every dollar you save today is one step closer to the retirement you’ve always pictured. At Promus, we help you build an intentional retirement plan that evolves alongside your changing needs. Reach out today and let’s start planning.
The most useful answer is “as early as the question occurs to you.” Compounding makes time the most valuable input in early years, while the decade before retirement—often called the pre-retirement or red zone—is when planning quality matters most, since sequence-of-returns risk, tax structuring, and Social Security timing decisions all converge. For HNW households, planning typically begins 10 to 15 years before the intended retirement date, when estate, business succession, and liquidity questions move into focus.
There is no universal number—the right target depends on your expected annual spending, longevity, geography, and the lifestyle you intend to maintain. As a working benchmark, high-net-worth households surveyed by Northwestern Mutual in 2026 cited $2.67 million as the figure they would need to retire comfortably, nearly double the average American’s of $1.46 million. A meaningful retirement number is built from the bottom up—projected spending, tax exposure, and income sources—not borrowed from a benchmark.
High-net-worth retirement planning addresses complexity that standard planning does not—concentrated equity positions, multi-jurisdictional taxation, business interests, illiquid holdings, and multigenerational wealth transfer. The objective shifts from accumulating enough to maintain a lifestyle to preserving, structuring, and directing wealth across generations while minimizing estate and income tax drag. Coordination between investment, tax, and estate strategies becomes central, not peripheral, work.
Tax-efficient withdrawal means drawing from taxable, tax-deferred, and tax-free accounts in a sequence that manages your bracket year by year, rather than depleting one account type at a time. For most HNW retirees, this involves blending withdrawals across account types, executing Roth conversions during lower-income years, and coordinating capital gains realization with required minimum distributions. The optimal sequence is individual—it depends on bracket projections, RMD timing, and legacy intent—and should be modeled over a full retirement horizon, not year by year.
A concentrated position—generally more than 10% of net worth in a single stock—introduces a level of risk that a retirement plan may struggle to absorb. The right path depends on your tax basis, time horizon, and liquidity needs, and typically involves a structured diversification plan over multiple years using tools such as direct indexing, exchange funds, charitable remainder trusts, or staged sales coordinated with capital loss harvesting. The first question is not how to defer the tax, but whether the plan can survive a sharp decline in that single holding.
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Promus Asset Management, LLC is a registered investment advisor. Investment Advisory Services are offered through Promus Asset Management, LLC, which is independently owned and operated, and separate from Promus Advisors, LLC. Promus Asset Management, LLC will never be paid on products, commissions or referrals.
Pershing Advisor Solutions is a registered broker-dealer, and is not affiliated with any Promus entity nor with any advisor whose name appears on this website. Pershing Advisor Solutions neither endorses nor recommends any particular advisor or investment strategy suggested by either Promus Advisors, LLC or Promus Asset Management, LLC. Pershing Advisor Solutions has agreements with Promus Asset Management, LLC under which Pershing Advisor Solutions provides custodial services related to your account. Pershing Advisor Solutions does not review the Promus Advisors website, and makes no representation regarding the content of the website. The information contained in the Promus Advisors website should not be considered a recommendation by Pershing Advisor Solutions or a solicitation of any offer to purchase or sell securities.
