A Coordinated Approach to Retirement Planning
Retirement planning involves more than managing investments. The decisions surrounding Social Security, taxes, income withdrawals, healthcare costs, and market volatility are all connected.
At Fitzgerald Retirement Strategies, our planning process often begins with Social Security optimization because the timing of these decisions may impact retirement income, taxes, spousal benefits, survivorship planning, and long term financial flexibility for years to come.
From there, we help coordinate the other financial decisions that shape retirement into one personalized retirement income strategy designed around your goals, lifestyle, long term financial confidence, and legacy priorities
Transitioning From Building Wealth to Living Off It
Many people spend decades building retirement savings but receive very little guidance on how to efficiently turn those savings into reliable income throughout retirement. The transition into retirement introduces a new set of financial decisions that must work together within a coordinated plan.
Retirement Income & Social Security
Build a reliable retirement income strategy while maximizing your Social Security benefits through personalized planning.
Tax-Efficient Retirement Planning
Develop smart withdrawal and tax strategies designed to help preserve more of your retirement savings.
Navigating Market Volatility
Create a flexible investment strategy that helps keep your retirement plan on track through changing markets.
Family, Legacy & Estate Planning
Protect your spouse, preserve your legacy, and create a plan that supports future generations with confidence.
Your Planning Process
Retirement planning is not a one-time event. Our process is designed to help you create a coordinated retirement strategy while providing ongoing guidance as life, markets, and tax laws evolve.
Discovery Conversation
Learning about goals, concerns, timeline, spending needs, and retirement vision.
Social Security & Retirement Review
Evaluating income sources, taxes, investments, withdrawal strategy, and Social Security timing opportunities.
Personalized Strategy Development
Creating a coordinated retirement income plan tailored to the client’s needs and priorities.
Ongoing Guidance & Adjustments
Monitoring and adjusting strategies over time as life, markets, and tax laws evolve.
Meet Matt
Financial Advisor, Fiduciary, and NSSA® and IRMAA Certified
Retirement Planning Guided by Experience and Specialized Social Security Expertise
As a Financial Advisor, Fiduciary, and NSSA® Certified Social Security Advisor, Matt Fitzgerald combines more than 30 years of financial industry experience with specialized retirement income planning expertise. His planning approach focuses on helping clients coordinate Social Security, retirement income, tax aware withdrawal strategies, and longterm financial decisions into one personalized retirement strategy.
✔ 30+ Years Experience
✔ Independent Fiduciary Guidance
✔ NSSA® Certified
✔ Personalized Retirement Strategies
✔ Retirement Income Planning Focus
✔ Growth & Guardrails Planning
