Retirement Planning
Planning for retirement isn’t just about putting money away — it’s about building a strategy that helps you enjoy the life you’ve worked hard for. At RBS Wealth Management, we help you transition from being a smart saver to a smart spender. Whether you’re starting early or closing in on retirement, we’ll guide you in aligning your goals with a clear plan for income, lifestyle, and legacy — all while navigating taxes and uncertainty.
Rollovers 401(k) 403(b) 457 and More
At RBS Wealth Management, our rollover service is dedicated to simplifying and streamlining the process of managing your retirement plan rollovers. As experienced wealth managers, we specialize in handling rollovers from all types of company plans, guiding you with expertise and clarity. We prioritize educating our clients about the steps involved, the costs associated with each option, and the choices available: entrusting your funds to professionals like us for tailored management, leaving them in your existing plan, or transferring them to an institution for self-directed control. Our goal is to empower you with the knowledge to make informed decisions that align with your financial future.
Saving For
Planning for retirement is about striking the perfect balance between enjoying life today and securing your financial future. As your wealth manager, we start by thoroughly analyzing your current financial situation and understanding your unique retirement dreams. We then project these goals over your desired timeline to calculate the precise amount needed to achieve them. Our strategy focuses on optimizing your savings through company plans, Roth IRAs, or diversified savings accounts to ensure you’re on track without overfunding, so you can live vibrantly now while confidently building toward your ideal retirement.
Living In
Our “Living In” retirement strategy ensures you can enjoy your portfolio’s income while staying financially secure. We design a tailored distribution plan, drawing from various account types to maximize your take-home income. By working closely with your CPA, we aim to minimize taxes, often employing sophisticated Roth conversion strategies to optimize your funds. Our goal is to keep you on track with a sustainable percentage of your overall assets, so you can live fully in retirement while preserving the wealth you’ve built.
Multi Generational Wealth Planning
A multi generational wealth plan should work as hard as you do — and that includes minimizing taxes. At RBS Wealth Management, we develop tax-efficient strategies tailored to your goals, helping you keep more of what you’ve earned. From retirement income planning to investment decisions, our team brings proven expertise and deep knowledge of Michigan’s tax landscape. We’re committed to building strong, multi generational wealth planning strategies that support your long-term success and strengthen your family’s financial future.
Family Office / Wealth Transfer
We specialize in helping families preserve and transfer the wealth they’ve worked hard to build. Collaborating closely with your estate planning team and CPA, we develop customized strategies to minimize tax complications upon death, ensuring your legacy remains intact. For families with closely held businesses, we craft tailored plans to avoid forced sales due to tax burdens, safeguarding your business for future generations. Our comprehensive approach aligns your financial goals with tax-efficient solutions, providing peace of mind that your wealth will seamlessly transition to your heirs.
Gifting Strategy
Our gifting strategy empowers you to share your wealth thoughtfully and efficiently across generations. Whether it’s as straightforward as gifting to grandchildren while educating them on account options, or as sophisticated as establishing a foundation or donor-advised fund, we guide you every step of the way. We begin by educating clients on the various account types and their specific rules, ensuring clarity and confidence. From there, we design tax-efficient strategies to fund these gifts, maximizing impact while minimizing tax implications, so your generosity aligns with your long-term financial vision.
Business Planning Succession
Your business is more than a livelihood — it’s a legacy. We help business owners plan for a smooth transition of leadership or ownership, whether you’re passing the reins to family, a partner, or preparing for sale. At RBS Wealth Management, we offer tailored succession strategies that align with your personal, financial, and business goals, helping protect the value you’ve built while positioning your company for continued success.
Business Transition Strategies
Our Business Transition Strategy is designed to guide you through the complex process of Selling your business, ensuring a seamless shift that prioritizes income replacement and asset protection. While we do not provide tax or legal advice, our team collaborates closely with your advisors to map out strategic asset allocation plans tailored to your goals. By engaging early, we help you prepare for a smooth transition, whether you’re passing the business to the next generation, selling, or stepping away, ensuring your financial stability and peace of mind when you need it most.
Estate Planning Strategies
Estate planning isn’t just about assets — it’s about peace of mind. We help you build a plan that ensures your legacy is passed on according to your wishes, with minimal tax implications and maximum clarity for your loved ones. Whether you’re establishing a will, trust, or comprehensive estate strategy, RBS Wealth Management works alongside you and your legal advisors to protect your family’s future.
Tax Efficiency
From both a business and personal perspective, we help you position your assets and income for the most favorable tax outcomes. We utilize our robust knowledge of programs such as Roth IRA and 401(k) to ensure that your money is being invested as wisely as possible with the greatest possible tax savings for you and your family.