Plan Today, Retire Confidently
At SMITZ Private Wealth Advisors, retirement planning is a continuous, data-driven process. We align savings, investments, and income strategies to help you maintain your lifestyle, manage risks, and make work optional on your timeline.
What We Do
We analyze your full picture — current savings, pensions, Social Security, investments, real estate, and healthcare needs — to build a customized retirement roadmap. We model multiple “what-ifs” (market shocks, inflation, longevity) so your plan stays resilient in real life, not just on paper.
SMITZ Private Wealth Advisors coordinates with your CPA and estate attorney to unify taxes, legal documents, and investment strategy. From contribution choices to withdrawal sequencing, we focus on decisions that optimize lifetime after-tax income and peace of mind.
Our Philosophy
Retirement success comes from balance — growth for tomorrow, stability for today, and flexibility for the unexpected. By integrating investments, taxes, healthcare, and estate goals, SMITZ Private Wealth Advisors helps you protect income, preserve purchasing power, and retire on your terms.
Specializations
We specialize in Social Security timing, Roth conversion strategies, pension/annuity analysis, retirement income sequencing, healthcare/Medicare planning, and designing portfolios that match your risk tolerance and spending needs.
We design tax-smart income plans that coordinate account withdrawals (taxable, tax-deferred, Roth), RMDs, and cash buffers. The goal: deliver steady, sustainable income while controlling your effective tax rate.
We evaluate filing ages, spousal strategies, and pension options (single vs. joint, lump sum vs. annuity) to maximize lifetime benefits and protect survivor income.
Strategic conversions in low-income years can reduce future RMDs and Medicare surcharges. We map a multi-year plan that manages brackets, credits, and surtaxes for better lifetime after-tax income.
We build retirement portfolios that balance growth and capital preservation. Tools include diversified core, downside-risk controls, and a “bucket” framework for short-, mid-, and long-term needs.
We plan for premiums, IRMAA brackets, gap coverage before Medicare, and long-term care contingencies, so healthcare doesn’t derail your retirement.
We stress-test your plan with Monte Carlo simulations and model inflation shocks. Where appropriate, we evaluate annuities and other tools to secure essential expenses for life.
Areas of Expertise
Social Security timing • Pension analysis • Roth conversions • RMD planning • Withdrawal sequencing • Bucket strategies • Downside-risk management • Healthcare & Medicare • Long-term care planning.
Our Process
1. Discovery & Goals: Clarify lifestyle targets, retirement age, and legacy intent.
2. Plan & Projections: Run cash-flow and Monte Carlo analyses with multiple “what-ifs.”
3. Implement: Align portfolios, automate savings/withdrawals, and set tax-smart income rules.
4. Review: Revisit quarterly or at life events; adjust for markets, inflation, and legislation.
Why Choose SMITZ Private Wealth Advisors
- Integrated investments, taxes, healthcare, and estate planning in one cohesive plan.
- Evidence-based portfolios with rules-driven rebalancing and cash-flow “buckets.”
- Clear action items and ongoing monitoring — no jargon, just confident decisions.
- Built for real life: flexible, resilient, and personalized to you.
Questions? Contact us or call +32 2 710 51 75. SMITZ Private Wealth Advisors will help you retire with confidence — and stay confident for decades to come.
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