Thrive in Retirement—With Purpose
Turn decades of saving into a clear, tax-aware income plan—so you can retire with confidence and live this chapter on your terms.
Pre-Retirees – Planning an Empowered Retirement
You've worked for 30 or 40+ years, and now retirement is on the horizon – this next phase of life should be exciting, not stressful. Yet many people struggle with the transition from saving to spending after a lifetime in "accumulation mode." You're not alone if you feel anxious about whether you've saved enough or how to make your money last.
of Americans worry more about running out of money in retirement than death.
(Allianz, 2025)
We address this fear head-on by crafting plans designed to help evaluate how assets may support retirement income over time, based on reasonable assumptions.
Our Rochester, Minnesota roots mean we have unique experience helping healthcare professionals and other hard-working folks navigate complex retirement decisions. For example, we can analyze lump sum vs. monthly pension options — a Fortress forte! We'll also help you optimize Social Security timing, consolidate and manage your 401(k)/403(b) rollovers, and plan for healthcare/Medicare transitions.
Our advisors enjoy helping clients better understand their options and tradeoffs as they plan for retirement.
- Pension analysis: lump sum vs. annuity with rates, survivor options & taxes
- Social Security strategy coordinated with portfolio & pension
- 401(k)/403(b) rollovers & consolidation with tax awareness
- Healthcare & Medicare timing, including IRMAA considerations
- "Permission to spend" planning—live your plan with confidence
Retirees – Enjoying the Fruits of Your Labor
Retirement should be your time to live with purpose and peace of mind, not a time to be burdened by financial worries. If you're already retired and feeling tired of "doing it yourself" with your investments, frustrated by surprise tax bills (capital gains, RMDs, etc.), or just want a seasoned second opinion to make sure you're on the right track, we are here for you.
You get one shot at retirement – there are no do-overs – so having a professional by your side can be helpful. We serve as an objective second set of eyes, helping you thoughtfully review your portfolio, tax considerations, and income strategy as part of an overall planning process.
Our team-based, technology-enabled approach means we monitor changes in markets and tax laws and revisit your plan as needed, helping you anticipate potential impacts and adjust accordingly. We'll help coordinate everything from working to minimizing capital gains and rebalancing portfolios to planning efficient withdrawals and legacy gifting.
The goal is simple: maximize this time in your life so you can live it with intention and joy, knowing your money is managed wisely.
- Quarterbacking portfolio and tax decisions (RMDs, capital gains)
- Tax-aware withdrawal strategy & cash-flow smoothing
- Disciplined rebalancing & risk management
- Beneficiary, estate & legacy gifting coordination
- High-touch service—so you can enjoy life, not spreadsheets
From questions to confidence—in four clear steps.
We tailor our process to your situation—benefit summaries and SPDs, pension options, 401(k)/403(b)/IRA alignment, and healthcare timing—then coordinate a tax-smart plan you can act on.
Introductory Call
30 minutes to align on goals, timing, and fit—plus what to bring to Discovery.
Discovery
60–90 minutes (in person or Teams). We map your full picture and define success.
Implementation
Your personalized plan—clear actions, paperwork & allocation coordinated.
Ongoing Guidance
Reviews, tax planning, Social Security/Medicare strategy & on-call advice.
Ready to Retire with Confidence?
Turn decades of saving into a clear retirement plan. Schedule your complimentary consultation today.
Disclosure: Fortress Financial Group is a Registered Investment Advisor. Information provided is for educational and informational purposes only and does not constitute investment advice. All investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Fortress Financial Group does not provide tax or legal advice. Clients should consult with their tax advisor or attorney regarding their individual situation.
Statistic source: Allianz, 2025.