What We Do
How We Help You Plan for Retirement
Retirement planning is at the center of what we do. Whether you’re preparing for retirement or already living it, we help you understand your options, make informed decisions, and move forward with clarity and confidence.
Solutions to Get You There
Wherever you are in life, we offer the solutions to help you reach your goals. With planning and professional guidance, you can transition from receiving a paycheck to creating your own retirement income and leaving a legacy for your loved ones.
Retirement Income Planning
We help you understand your income options and build a written plan designed to support your lifestyle throughout retirement. Your plan considers Social Security, pensions, required distributions, and tax‑aware withdrawal strategies so you can feel confident about where your income will come from and how long it may last.
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A great day for us is when we can tell our clients they’re on track for the retirement they envision. We specialize in helping people who have retirement accounts invested in IRAs, 401(k) plans, and 403(b) plans, formalize a written retirement plan. Your retirement income plan can give you clarity around where you stand now, and what changes may need to be made to help you reach your big day.
Your retirement income plan will project your future health care and housing costs. We’ll assist you in understanding the various social security income options available. We’ll work to pinpoint your personal "benchmark," the rate of return needed for your plan to meet your retirement income needs.
No matter your age and how much you’ve already saved for your future, completing a written plan is key. It can help you enjoy the productive, fulfilling retirement you envision.
Keep in mind, we don’t need to manage your retirement assets for us to help you with a retirement plan.
Investment Planning
Your investments are managed with a disciplined, long‑term approach that aligns with your goals and comfort level. We focus on building a diversified portfolio, monitoring it regularly, and making thoughtful adjustments as markets and your needs evolve, all within a strategy that supports your broader retirement plan.
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You’ve worked hard and you had the discipline to save for retirement. You completed a retirement income plan and we know your personal “benchmark” needed to meet your retirement needs. Now we’ll work together to customize an investment strategy to help accomplish your goal.
Knowing that there are more than 30,000 mutual funds and ETFs to choose from, we screen all our investment recommendations using a fiduciary due diligence program. As an Accredited Investment Fiduciary® professional, we offer you the confidence that comes with knowing all our investment recommendations will be made with your best interest in mind.
Legacy Planning
We help you think through how you want your assets to be managed, protected, and passed on. This includes coordinating with your estate attorney, reviewing beneficiary designations, and making sure your financial plan reflects the legacy you want to leave for the people and causes that matter most, both now and in the future.
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It’s never too late to evaluate your legacy planning needs. Together, we can work with your legal and tax advisor to help minimize your tax exposure, build an efficient transfer of assets, and preserve your wealth for your loved ones.
A good estate plan includes a strategy to manage your financial affairs and health care decisions if you cannot. It can prove invaluable in easing the burden for your family during a time of emotional distress. We have the tools and resources to help you put this important plan in place.
Your First Meeting With Us
Peter J. Gallagher, URPG Managing Director
Your first meeting is a conversation—not a commitment. We take the time to understand your goals, your concerns, and what you want your retirement to look like. You’ll have space to ask questions, get clarity, and see whether we’re the right fit for you.
Our goal is simple: to help you feel informed, comfortable, and confident about your next steps.
Helping You at Every Stage
Planning Ahead
You're balancing multiple competing financial priorities and haven't completely focused on retirement. A personalized plan lets you know where you stand and what changes may be needed along the way.
During Retirement
Your planning isn't over once you’ve reached retirement. There are still many key decisions to be made. We'll help you address them all—even the ones you hadn't anticipated.
Nearing Retirement
We'll help you explore how to make the best transition from earning a paycheck to enjoying a comfortable retirement.
What You Can Expect from Us
Your portfolio is designed solely around a thorough analysis of your investment objectives and life goals. When providing investment advice, we offer objective guidance in a fiduciary capacity that’s in your best interest.
