THE PEAK PROCESS

From First Call to Complete Clarity

A clear process. A plan built around you. Guidance for what comes next.

Discover

Understanding You
and Your Goals

We start by understanding what matters most to you—your goals, concerns, family, finances, and vision for retirement

Design

Building Your Personalized Strategy

We bring everything together, identify opportunities and concerns, and develop clear recommendations designed around your goals.

Implement

Putting Your Strategy
Into Action

Once you're comfortable with the plan, we help coordinate and implement the recommended next steps.

Review

Keeping Your Plan Aligned With Your Life

Life changes. Markets change. Priorities change. We continue to review, refine, and adjust your strategy along the way.

Who We Serve

We provide personalized financial guidance for individuals and families at every stage of life. Whether you’re preparing for retirement, managing your wealth, navigating a career transition, or planning for your family’s future, we tailor our approach to your unique goals, priorities, and circumstances.

Individuals Approaching Retirement

People within 5-10 years of retirement who want to understand their income options, pension decisions, and how to build a plan that supports their goals.

Couples Planning
Together

Spouses and partners who want one coordinated plan that accounts for both incomes, Social Security timing, and protection for the person left behind.

Families Focused on
Legacy

Families who want their plan to protect the people they love and to pass on more than money: clarity, security, and intention.

Professionals and Public Employees

Professionals and public employees with pensions, employer accounts, and complex benefits who want every piece coordinated.
See our public employees guide →

High-Net-Worth Individuals & Families

Significant wealth can bring more options, and more decisions. We help you coordinate retirement income, investments, tax considerations, protection, and legacy goals, working with your tax and legal professionals when needed.

Veterans & Military & Federal Employees and Families

Whether you’re transitioning from service, building a second career, or approaching retirement, we help you coordinate your retirement savings, income choices, and family goals as you plan what comes next.

Entrepreneurs & Business Owners

Running a business can make it difficult to balance company needs with your own future. We help you connect your retirement savings, income, risk planning, and family goals with the next stage of your business.
Why Planning Matters

Retirement Decisions Are More Complex Than They First Appear

Retirement income comes from many sources, and each decision shapes the years ahead. Small choices made early can have a large effect on the view from the top.

That is why we start with understanding, not products. When you can see how every piece fits together, the path forward becomes clear.

01. Income Sources That Must Work Together

Pensions, employer accounts (401(k), 403(b), 457(b)), IRAs and Roth IRAs, and Social Security each behave differently and interact in ways that are easy to miss.

02. Timing and Sequencing

When you draw from each source affects both your income and your taxes for decades.

03. Protection Gaps

Without a current beneficiary and protection review, a single life event can put a family's income at risk.

04. Irreversible Choices

Some retirement elections cannot be undone, which makes understanding them before you decide essential.

Income Planning

A Retirement Income Plan Built for Your Life

A pension or a single account rarely tells the full story. We help you coordinate every income source, including pensions, employer accounts, IRAs and Roth IRAs, and Social Security, into one clear plan, with attention to timing, taxes, and the income that needs to last as long as you do.

Your income, coordinated

  • Pension and Social Security timing
  • 401(k), 403(b), 457(b), IRAs and Roth IRAs
  • Tax-aware withdrawal sequencing
  • Income designed to last through retirement

Protection

Protecting the Family Behind the Plan

Income planning is only half of retirement. We review your insurance coverage, beneficiary designations, and family income continuity, so the people who depend on you stay protected, whatever the years ahead bring.

Protection that holds

  • Insurance coverage review
  • Current beneficiary designations
  • Family income continuity
  • A plan for the unexpected

Common Questions

Answers Before You Start

What does retirement planning with Peak Solutions include?

It starts with understanding your full picture: income sources, accounts, benefits, and protection. From there we build a personalized plan and walk you through every decision, so you understand the reasoning, not just the recommendation.

Do I need a pension to work with you?

No. We work with anyone approaching or in retirement, whether your income comes from a pension, employer accounts, savings, investments, or a mix of all of them.

Is the first consultation free?

Yes. The first conversation is a no cost, no pressure way to understand where you stand and whether we are the right fit to guide you.

How do I get started?

Request a consultation and we will set up a time to talk. You can meet with us in person at our Bay Area office or virtually from anywhere in California.

Ready to Take the First Step?

Every confident retirement begins at base camp. Let’s map
your route and start the climb together.

Start the conversation