Financial Planning for Pre-Retirees

After decades of disciplined saving, the challenge shifts from building wealth to making it last: turning what you’ve saved into income you can count on for the rest of your life.

That takes more than a number on a statement. It takes a plan that accounts for the taxes, the timing, and the decades ahead, and a team that keeps every piece in view.

20+

states served, rooted in Tulsa

250+

families helped

100%

fiduciary, serving generations

The Big Questions We Help Answer

When can I retire and meet my goals, and support my income needs now and in perpetuity? 

What is the best liquidation strategy, or withdrawal sequencing, for my situation? 

When do I take Social Security, and how does that ripple into my taxes and the rest of the plan? 

 How do I cover healthcare between retiring and Medicare at 65? 

Should I be doing Roth conversions before RMDs begin? 

What proactive planning should I do before RMDs start? 

Is my portfolio still built for growth when it should be shifting to income? 

What happens to my spouse if something happens to me? 

What are QCDs, and why do they matter? 

 What am I missing that I don’t even know to ask? 

Retirement Planning Services

 We focus on the high-stakes decisions that matter most for pre-retirees. 

  • Retirement readiness analysis 
  • Social Security claiming strategy 
  • Tax-efficient withdrawal sequencing 
  • RMD and QCD planning
  • Estate and beneficiary review 
  • Coordination with your CPA and attorney 
  • Sustainable, tax-aware retirement income 
  • The bridge to Medicare before 65 
  • Roth conversions in lower-income years 
  • Shifting the portfolio from accumulation to income 
  • Permission and confidence to actually spend 

Bringing it all Together

We act as the bridge between your CPA, estate attorney, and other professionals to bring it all together into one comprehensive financial plan.

  • Social Security claiming strategy
  • Withdrawal sequencing
  • Roth conversions before RMDs
  • The Medicare bridge before 65
  • IRMAA thresholds
  • RMD planning
  • QCDs
  • Pension and annuity elections
  • Accumulation to income
  • Beneficiary and estate review
  • Tax-loss harvesting
  • Private investments

How We Help

Find out when you’re actually ready

We model your spending, income, taxes, and goals so you can see, clearly, whether you’re ready and what it would take.

Bridge the gap to Medicare

We plan coverage and cost for the years between retiring and turning 65.

Decide when to claim Social Security

We model claiming scenarios and show the lifetime income and tax impact, coordinated with the rest of your plan.

Turn savings into a reliable paycheck

We coordinate Social Security, pensions, and your accounts into monthly income you can count on.

Build a tax-smart withdrawal strategy

We determine the order to draw your accounts to minimize lifetime taxes and avoid Medicare IRMAA surprises.

Protect and inform your spouse

We make sure both partners understand the plan and the steps to take if life takes an unexpected turn.

What Makes Us Different

Planning comes first. Always. 

We don’t start with markets. We start with your life. The plan comes first, and the portfolio follows. 

You get a team, not a single advisor 

A lead advisor, an in-house planner with a CPA background and former-CFO experience, an investment team fluent in public and private markets, and a client service team that knows your name.  

Sophisticated investments  

Alternative and private investments are part of our DNA. Around 98% of our clients hold them, averaging close to a quarter of the portfolio, used for income, growth, diversification, and lower correlation to public markets.   

What you keep is what matters 

We manage to after-tax, after-fee results. The only returns that count are the ones you actually get to spend.    

 ”Integrity, relationships built on trust, all backed by a team of professionals who support an approach that has the client as the top priority. That’s exactly the blueprint you operate under.”

— Greg M., EverPar client 

This testimonial was provided by a current client of EverPar. The client was not compensated, directly or indirectly, for providing this testimonial. EverPar has no material conflicts of interest arising from its relationship with the client in connection with this testimonial.

What Success Looks Like for You

You know exactly when you can retire, and you have the math to back it up

Your accounts are orchestrated to minimize taxes over decades, not just this year

You understand your Social Security strategy and how it fits the bigger picture

You have a plan for healthcare between retirement and 65

You feel confident spending the money you have earned, without guilt or fear

What We Help You Avoid

Claiming Social Security too early without running the numbers 

Triggering Medicare IRMAA surcharges with poor income planning 

 Missing Roth conversion windows in the low-income years after retiring 

Sequencing withdrawals in a way that costs you in taxes 

Working longer than you need to because no one showed you the math 

Underspending and under-enjoying the early, healthy retirement years 

Who May Benefit Most From Our Services

Our clients typically have $1M or more in investable assets, real complexity, and a feeling that no one is connecting the dots. They want to stay involved in the decisions that matter and hand the day-to-day details to a team they trust. We serve families in Tulsa and across more than 20 states, and we also partner with clients at earlier stages who are a strong fit. If that sounds like you, the first conversation is the easiest place to start.

You Saved for Decades. Let’s Make it Last.

One conversation is enough to see what a coordinated plan could look like for your family. No cost for the initial conversation. No products 
to sell or obligation. Just a clear look at your full financial picture. 

Schedule Your Foundation Session

EverPar Advisors LLC (“EverPar”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where EverPar and its representatives are properly licensed or exempt from licensure.

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor’s particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.

All information has been obtained from sources believed to be reliable, but its accuracy is not guaranteed.  There is no representation or warranty as to the current accuracy, reliability, or completeness of, nor liability for, decisions based on such information and it should not be relied on as such.