Divorce Financial Planning
From retirement timing to income and the decisions that follow, your strategy is built to support your life as it evolves—so you can plan your future with a stronger sense of direction.
Retirement & Social Security Planning Services
When you retire, when you claim Social Security, and how you draw income from your savings are some of the biggest decisions you’ll ever make.
Get the timing right and those choices work together. Get it wrong and they work against each other.
Our Certified Financial Planners (CFP) consider these decisions as a whole, accounting for your timeline, income needs, and what you want to leave behind.
When Retirement Planning Matters Most
Within five years of retirement
You are in the critical window where timing, market conditions, and withdrawal decisions can have a lasting impact on your long-term security.
Already retired or recently retired
You need a structured approach to income, taxes, and portfolio adjustments as your financial priorities shift from growth to preservation.
Uncertain about Social Security timing
You want to understand the financial impact of claiming at different ages and how your choice can fit into your overall retirement picture.
How Retirement Planning Decisions Work Together
Retirement planning centers on a few critical choices—when to retire, how to generate income, and how to make that income last. We help you evaluate those decisions in context, so your timing, income strategy, and investments work together to support your life in retirement—not just on paper, but in real-world conditions.
Retirement Income Planning
Your plan defines how your assets turn into income. We evaluate how much you can withdraw, how long your assets are expected to last, and how that income covers your spending over time. This gives you a clear understanding of what your savings can realistically provide—and what life changes or choices may affect your retirement.
Social Security & Withdrawal Strategy
We help you decide when to claim Social Security and how to draw income from your accounts in a way that works with your overall approach. This affects how much income you receive, how long your assets last, and how much you pay in taxes.
Keeping Your Portfolio in Step With Retirement
Your portfolio is evaluated based on how it is structured for withdrawals—not just growth. We assess how it may perform during market downturns and whether it is positioned to provide the income you need without compromising your goals.
What Retirement Planning Should Deliver
Your retirement, income, and investments working together within one coordinated strategy.
Knowing When Retirement Makes Sense
You understand when retirement makes sense and what needs to happen before you get there.
Income Built to Support Your Life
Your assets are translated into a practical plan for income, spending, and long-term sustainability.
A Plan Built to Handle Market Swings
Your portfolio and income approach are positioned to handle volatility without disrupting your long-term direction.
A Plan Built to Handle Market Swings
Your portfolio and income approach are positioned to handle volatility without disrupting your long-term direction.
Why Marks Wealth Management?
Financial planning requires more than projections alone. It requires coordinated guidance, informed decision-making, and a long-term strategy built around your goals.
Planning Led by a Certified Financial Planner
Your financial plan is guided by a Certified Financial Planner (CFP) who evaluates retirement, income, taxes, investments, and long-term goals as part of one coordinated strategy.
Portfolio Management Built Around Your Goals
Your portfolio is managed with attention to retirement income, long-term financial stability, and changing market conditions. Our investment process incorporates technical analysis through a Chartered Market Technician (CMT) alongside ongoing risk evaluation designed to support the realities of retirement planning.
A Long-Term Partner for the Years Ahead
Your financial life does not follow a straight line, and neither should your advisory relationship. As your goals, responsibilities, and opportunities evolve over time, your financial plan should evolve with them.
Our team is structured to support long-term client relationships through coordinated guidance designed to adapt alongside every stage of life.
What to Expect
The most important retirement decisions—when to retire, how to generate income, and how to make it last—start with a clear understanding of where you stand today and what your options are.
Our process is designed to create a plan that meets your needs, so you can move forward with a future that fits your life.
Goal Orientation
We begin by understanding your retirement goals, timeline, and the lifestyle you want to support, so that your custom plan is grounded in what matters most to you.
Financial Review
We begin by understanding your retirement goals, timeline, and the lifestyle you want to support, so that your custom plan is grounded in what matters most to you.
Planning & Forecasting
We begin by understanding your retirement goals, timeline, and the lifestyle you want to support, so that your custom plan is grounded in what matters most to you.
Strategic Guidance
We begin by understanding your retirement goals, timeline, and the lifestyle you want to support, so that your custom plan is grounded in what matters most to you.
Implementation
We begin by understanding your retirement goals, timeline, and the lifestyle you want to support, so that your custom plan is grounded in what matters most to you.
Active Monitoring & Review
We begin by understanding your retirement goals, timeline, and the lifestyle you want to support, so that your custom plan is grounded in what matters most to you.
Key Retirement Planning Questions We Help You Navigate
Retirement planning requires more than projections—it requires informed decisions, coordinated strategy, and ongoing guidance.
How would retiring one or two years earlier—or later—affect my long-term plan?
Retiring earlier or later changes both your lifestyle and how your plan needs to perform. Retiring sooner gives you more time to enjoy your retirement, but may require your assets to support you for longer. Delaying can strengthen your plan and increase flexibility, but extends your working years. Evaluating these tradeoffs helps you decide what timing is best for both your goals and your financial reality.
How should Social Security fit into my overall retirement strategy?
Choosing when to claim Social Security affects how much income you receive over time. Claiming earlier provides income sooner at a lower level, while delaying increases your monthly benefit. This decision also impacts how much you need to draw from your portfolio and your overall tax picture. Coordinating it within your plan helps ensure it supports your long-term income strategy.
Other Financial Planning Services
You have more than one financial priority—and each decision affects the others. These services work together to support your full financial picture over time.
Retirement & Social Security Planning
Turn retirement goals into a working strategy with clear timing, income structure, and Social Security decisions aligned to your plan.
Divorce Financial Planning
Map a financial future that supports the lifestyle you want, the people you cherish, and the goals you are working toward.
Legacy & Estate Planning
Aligning your will, trust, and family legacy plan so your assets support the people and priorities that matter most.
Tax Efficiency Strategies
Structure your income, investments, and withdrawals to manage tax impact across federal, state, and local levels and retain more of what you earn.
Risk Management
Align your level of risk with your savings, lifestyle, and timeline, so your financial strategy reflects both what you want to achieve and what you…
What Clients Say About Us
As an older retiree, I have depended on Charles and his team to help keep me as independent as possible. I am one of the few among my friends who doesn’t seem to have money worries. Special thanks to Catherine and Taylor for all your care.
Jan Dove
Marks Wealth Management goes above and beyond any expectations you may have. The entire staff is professional, friendly and caring. We made the right/best decision by choosing Marks Wealth Management for our investment firm.
Patricia Jacoby
As an older retiree, I have depended on Charles and his team to help keep me as independent as possible. I am one of the few among my friends who doesn’t seem to have money worries. Special thanks to Catherine and Taylor for all your care.
Jan Dove