A Clear Path to Retirement, Built With a Tucson Advisory Team
Retirement planning in Tucson is about more than picking investments. It is the work of turning decades of saving into dependable income, coordinating Social Security and pensions, managing taxes in retirement, and protecting what you have built for the people who matter to you. From our office on East Speedway Boulevard, we help families across the Tucson area bring those pieces together into one coordinated plan.
Consilium Wealth is an independent firm that conducts securities and advisory business through LPL Financial. That independence lets us build recommendations around your goals rather than a single product line. Our advisors hold the Accredited Investment Fiduciary® designation, and within the advisory relationship, our recommendations are made in your best interest.
Whether you are a decade from retirement, approaching your final working years, or already retired and thinking about how to draw income wisely, this is the starting point for planning your retirement with a local team you can meet face to face.
Why Retirement Planning Deserves Real Attention
The decisions you make in the years around retirement are some of the hardest to reverse. A coordinated plan helps you make them with confidence instead of guesswork.
People Are Retiring Into Longer Lives
A 65-year-old today has roughly a 50% chance of living past age 85, according to the Social Security Administration. A plan has to fund a retirement that may last 25 years or more, not just the first few.
Income Replaces a Paycheck
Retirement shifts the job from growing savings to drawing them down. The order you tap accounts, when you claim Social Security, and how much you withdraw each year all shape how long your money lasts.
Taxes Do Not Stop in Retirement
Withdrawals from tax-deferred accounts, required minimum distributions, and Social Security can all be taxable. The IRS requires most retirees to begin RMDs at age 73. Coordinating these ahead of time can make a meaningful difference.
The Pieces Have to Work Together
Investments, income, taxes, and estate wishes are connected. When they are planned in one place, a change in any of them can be weighed against your whole retirement picture rather than one decision at a time.
How We Help You Plan for Retirement
Retirement planning at Consilium Wealth pulls several areas of advice into one coordinated strategy. Here is where a plan usually begins.
Retirement Income Planning
Turning your savings, Social Security, and any pensions into a dependable, tax-aware paycheck that can last through a long retirement.
Investment Planning for Retirement
Aligning how your money is invested with your time horizon and comfort with risk, so your portfolio supports both growth and income needs.
Tax Planning in Retirement
Coordinating withdrawals, Roth strategies, and required minimum distributions to help manage the taxes you pay across your retirement years.
Social Security and Pension Timing
Weighing when to claim Social Security and how to take pension income, decisions that can shape your household income for the rest of your life.
University and Faculty Retirement
Specialist guidance for Arizona university employees on 403(b), 457, TIAA, Fidelity, and the ASRS pension.
Learn More About University and Faculty Retirement PlanningPlanning for Individuals, Families, and Business Owners
Life-stage and business-owner planning that connects your retirement goals to the rest of your financial picture.
Learn More About Planning for Individuals and FamiliesWhy Tucson Retirees Work With Consilium Wealth
Choosing a retirement advisor comes down to whom you trust with your family's future. Our value comes from local experience, independence, and a standard of care that puts your interests first within the advisory relationship.
We are an independent Tucson firm with the backing of a national partner, so you get personal relationships and broad resources in the same place.
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Fiduciary Standard of Care
Our advisory recommendations are made in your best interest, with advice designed around your goals rather than product sales.
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Independent, With National Backing
Securities and advisory services are offered through LPL Financial, a Registered Investment Adviser and Member FINRA/SIPC, with access to multiple custodians.
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Rooted in Tucson, Arizona
We live and work where our clients do, on East Speedway Boulevard, and we meet with you face to face.
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Comprehensive, Coordinated Advice
Investments, income, tax, and estate strategy are planned together, so each decision is weighed against your whole retirement picture.
Stephen Horvath, ChFC®, CLU®, CEP®, AIF®
An Accredited Investment Fiduciary® who leads the firm's planning work, drawing on advanced credentials in financial, insurance, and estate planning to help Tucson families prepare for retirement.
Brady Doe, AIF®
An Accredited Investment Fiduciary® who works closely with pre-retirees and retirees, focusing on income planning and the decisions that shape a confident transition out of full-time work.
David Hermann, CRPC®, BFA™
A Chartered Retirement Planning Counselor™ and Behavioral Financial Advisor™ who helps clients think through both the numbers and the behavior behind long-term retirement decisions.
Start Planning Your Retirement in Tucson
If you want a clear, coordinated plan for retirement, we would welcome a conversation. We will talk through where you are today, what you want retirement to look like, and how a plan can help you get there.
Submitting a request through our contact page does not create an advisory relationship.
Frequently Asked Questions
When Should I Start Planning for Retirement?
The best time is well before you retire, ideally in your 50s or early 60s, when there is still room to adjust savings, investment mix, and timing. That said, planning is valuable at any stage. If you are already retired, a plan can still improve how you draw income and manage taxes. A good first step is simply a conversation about where you stand today.
Do I Need a Certain Amount of Money to Work With Consilium Wealth?
Rather than a single dollar figure, the fit depends on whether coordinated retirement advice would help your situation. We work with Tucson families, professionals, and retirees at different stages of building and drawing on their savings. The best way to find out if we are a match is to schedule a consultation and talk it through.
How Is Retirement Planning Different From Just Managing Investments?
Investment management focuses on how your money is invested. Retirement planning is broader: it connects your investments to income, taxes, Social Security timing, and estate wishes so the pieces work together. Two people with identical portfolios can have very different retirements depending on how those decisions are coordinated.
Can You Help With Social Security and Required Minimum Distribution Timing?
Yes. Deciding when to claim Social Security and how to handle required minimum distributions, which the IRS requires most retirees to begin at age 73, are central parts of a retirement plan. We help you weigh these choices in the context of your full income picture rather than one at a time.
I Work at a University. Do You Handle Faculty Retirement Plans?
Yes. We have specific experience with Arizona university retirement benefits, including 403(b), 457, TIAA, Fidelity, and the ASRS pension. Our university and faculty retirement page goes deeper on those plans, and we are glad to help faculty coordinate them with the rest of a retirement strategy.
How Do I Get Started?
You can request a retirement planning consultation through our contact page, or call our Tucson office at (520) 326-8950. We will set up a time to understand your goals and show you how a coordinated plan could work for your household.