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Wealth Services

Solutions Unique To Every Season Of Life

At Rinvelt & David, our work goes far beyond portfolios and projections. We walk alongside individuals and families as they navigate the changes that define a lifetime—retirement, career shifts, unexpected loss, windfalls, medical events, and more. That’s why clients often tell us, “You're our third call—after faith and family.” We take that responsibility seriously. We don’t build rigid, one-size-fits-all plans. We “do the math” for your real life. We adjust, rethink, stress-test, and guide—again and again. Because when life changes, your plan should, too.

Pre-retirement preparation
Know If You’re Ready And Look Forward To It


You're within 5–10 years of retirement and want to know: Am I ready—and what should I be doing now?

This stage is often the busiest and most crucial. You’ve accumulated wealth, but now it’s time to get specific: When can you retire? What will it cost? Should you roll over your 401(k)? Convert to a Roth? How much income will you really have—and is it enough?






How We Can Help: 

 Test retirement timelines and income strategies
 Analyze Social Security timing and pension options
 Evaluate your 401(k), IRAs, and rollover opportunities
 Prepare for rising healthcare costs (yes, including ‘             medical Armageddon’) and Medicare gaps
 Make informed, confident decisions about “what’s next”


Retire And Decumulate

Transform Assets To Reliable Income That Lasts

 

You’ve made the leap—or are about to—and now it’s about turning your assets into income and protection.


The questions change in retirement: How do I withdraw efficiently? When must I take RMDs & will my income keep up with inflation? What happens if one of us needs long-term care—or passes away?






How We Can Help: 

Turn savings into steady, tax-smart retirement income
Plan for “medical Armageddon” and long-term care
Protect your spouse or dependents from financial uncertainty
Reduce portfolio risk while maintaining growth
Revisit the plan regularly as life (and markets) evolve


Leave A legacy
Making A Multigenerational Impact That Reverberates


You’ve worked hard, planned well, and now you’re thinking about what your wealth should accomplish after you’re gone.


Legacy planning is about more than avoiding probate—it’s about expressing your values, protecting your loved ones, and making your intentions clear. It can feel overwhelming. But it doesn’t have to.






How We Can Help: 

Structure estate plans that align with your values
Coordinate wills, trusts, and healthcare directives with your attorney
Navigate charitable giving and gifting strategies
Prepare heirs for the wealth and responsibility they’ll inherit
Build a legacy that’s about more than just dollars


Exiting a business
Transfer Business Value And Exit With Intention 


You’ve built something meaningful—now it’s time to plan what’s next.


Whether you’re preparing to sell, retire, or pass the business on to the next generation, stepping away from your company brings a unique mix of opportunity and complexity. You may be asking: What’s my business really worth? How do I access that value? Will my family—or employees—be okay? You only exit once. We’re here to make sure it’s done intentionally, tax-efficiently, and on your terms.






How We Can Help: 

Business planning from cash flow and compensation planning to investment strategies and more, we align your business and personal goals
Retirement plan consulting including advise and execution on 401(k), SIMPLE, and SEP plans
Employee Stock Ownership Plans (ESOPs) with feasibility and valuation impact in mind
 Succession planning to identify successors and prepare leadership transitions
Exit and transition strategies with valuation awareness, retirement income, tax impact and emotional guidance

Common Questions About Wealth Management And Financial Planning Services

Here are a few common questions we hear about retirement planning, investment management, business transitions, estate coordination, and other moving pieces of your financial life.

  • Retirement readiness depends on more than your account balance. Rinvelt & David looks at your income needs, spending, taxes, investments, Social Security, pensions, healthcare costs, debt, family responsibilities, and long-term goals. Then we do the math to see what your plan can support and what adjustments may help before you retire.

  • The 5 to 10 years before retirement are a critical time to get specific. You may need to evaluate your retirement timeline, income strategy, Social Security timing, pension options, 401(k) rollover opportunities, Roth conversion strategies, healthcare costs, Medicare gaps, and portfolio risk. This is where proactive planning can clarify your next steps.

  • A financial advisor can help turn retirement savings into income by coordinating withdrawals, Social Security, pensions, RMDs, taxes, investments, and spending needs. Rinvelt & David helps retirees and pre-retirees build a tax-aware income strategy designed around cash flow, inflation, market changes, longevity, healthcare needs, and long-term care expenses.

  • Whether you should roll over a 401(k) depends on your investment options, fees, tax situation, income needs, creditor protections, employer plan rules, and broader retirement strategy. Rinvelt & David helps evaluate your 401(k), IRAs, and rollover opportunities so the decision supports your goals and broader financial picture.

  • Roth conversion strategies can be useful when they fit your tax picture, income timeline, estate goals, and retirement income plan. Rinvelt & David can help model whether converting pre-tax retirement assets may make sense, how it could affect current taxes, and how it may interact with future income, RMDs, and legacy planning.

  • Healthcare and long-term care can change the math quickly. Rinvelt & David helps clients prepare for Medicare gaps, rising healthcare costs, potential long-term care needs, spouse or dependent protection, and unexpected medical events. The goal is to include these risks in the plan before they become urgent.

  • Cash-flow-based financial planning starts with how money actually moves through your life. Rinvelt & David reviews income, expenses, taxes, accounts, insurance, estate documents, and future spending needs, then models different scenarios. This helps you understand whether your current path supports retirement, family priorities, legacy goals, and major life decisions.

  • A financial advisor can help connect estate and legacy planning to the rest of your financial life. Rinvelt & David helps clients think through what their wealth should accomplish for family, heirs, charitable causes, and future generations. While legal documents should be prepared by an attorney, we help coordinate planning conversations around wills, trusts, healthcare directives, gifting, charitable strategies, beneficiaries, and heir preparation.

  • Business owners should plan for an exit or succession by connecting business value with personal income needs, taxes, family priorities, retirement goals, and liquidity. Rinvelt & David helps business owners evaluate cash flow, compensation, retirement plan options, succession planning, ESOP strategy, tax coordination, and the financial decisions that come with stepping away from a business.

  • Yes. A financial advisor can help executives and professionals evaluate RSUs, stock options, and other equity compensation in the context of taxes, timing, diversification, liquidity, job transitions, and long-term goals. Rinvelt & David helps clients understand how equity decisions fit into their broader cash flow, investment, retirement, and family plan.

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