Unify 401(k), IRAs, brokerage, real estate, and Social Security into a coordinated income plan that cuts taxes, shields down-market withdrawals, and funds your lifestyle.
Watch first: why having a portfolio isn't the same as having a retirement plan
Credentials
A CFP® professional in your corner
Edgar Haroutunian holds the CERTIFIED FINANCIAL PLANNER™ certification, awarded by CFP Board in December 2019. It's the standard most people assume every financial advisor is held to — and most are not.
Examination — passed the comprehensive CFP® certification exam
Experience — thousands of hours of hands-on financial planning work
Ethics — committed to CFP Board’s Code of Ethics and Standards of Conduct
Advisory services offered through Signature Estate & Investment Advisors (SEIA).
Age 73
When required minimum distributions begin — taxable withdrawals whether you need the money or not.
5–10 yrs
The window between your last paycheck and your first RMD — often the best tax planning years of your life.
20–30%
A market drop early in retirement hits differently when you're withdrawing instead of contributing.
A portfolio is not a retirement plan
Most people retire with a 401(k), an IRA, a brokerage account, some real estate, maybe a pension — and none of it is actually coordinated. That's where the expensive mistakes happen. You can have $2 million or $20 million and still make decisions that cost you far more than they had to.
1
Every account works together
Your 401(k), IRAs, brokerage, real estate, pension and Social Security stop being separate piles and become one income plan — with a deliberate answer to what you pull from first, and when.
2
Taxes become a strategy, not a surprise
The years after you stop working and before RMDs start can be the best tax planning opportunity of your life — Roth conversions, realizing gains at lower rates, repositioning assets. Most people let that window close without using it.
3
The market stops dictating your retirement
At 40 or 50, a downturn means waiting for a recovery. In retirement, it can mean selling investments at the worst possible time. We build the income and cash strategy so you're never forced to.
You can't look at one decision by itself
Every retirement decision pulls on another one. Optimize a single piece in isolation and you can quietly create a bill somewhere else.
→ Roth conversions can affect your Medicare premiums
→ When you claim Social Security can affect your taxes
→ Investment income can push you into a higher bracket
→ The wrong account at the wrong time creates avoidable tax
This is also why we don't work alone. We coordinate directly with your CPA, your estate planning attorney and the rest of your professional team — so your investment strategy, tax strategy and estate plan are working together instead of pulling in different directions.
A clear process — no jargon, no pressure
No one-size-fits-all product. Just an honest look at everything you've built and where there may be opportunities to plan it better.
Step 1
We map everything you've built
Every account, income source, property & pension
Your tax picture today — and what it becomes at RMDs
The lifestyle you actually want to fund
Step 2
We build the coordinated strategy
A withdrawal order built around your tax brackets
Roth conversion, gain-realization & Social Security timing
Cash reserves and a risk level that fits a withdrawal phase
Step 3
We coordinate it end to end
We work alongside your CPA & estate planning attorney
Investments, taxes and estate plan pointed the same direction
Reviewed and adjusted as tax law and your life change
Independent, one-on-one guidance built around everything you've actually built — not a pitch for a single product.
A full inventory of your accounts, income sources & property
A tax-aware withdrawal sequence across your accounts
Roth conversion & RMD analysis for your pre-RMD window
Social Security claiming timing reviewed against your tax plan
A down-market income plan so you aren't forced to sell low
Direct coordination with your CPA & estate planning attorney
The best tax planning window of your life is a limited one.
The years after your last paycheck and before required minimum distributions begin are when you have the most control over your tax brackets. Once RMDs start, those withdrawals are no longer optional — and the opportunities you didn't use are gone. The time to plan is while the window is still open.
You spent decades building it. The goal isn't just to protect it — it's to use it the right way, without constantly wondering whether you're spending too much or making the wrong move.
Travel more — and fly business class
Take the extra vacation
Help your kids buy a home
Buy the vacation home, or the new car
Spend more time with family and friends
Know how much you can spend — with confidence
Retirement shouldn't be complicated — but it does need to be planned correctly.
If you're getting close to retirement, or you're already retired and want to make sure your money is working the way it should, let's set up a conversation. We'll look at where you are today, what you're trying to accomplish, and where there may be opportunities to build a better plan.
