Let's get acquainted.
A Higher Standard of Wealth Management.
At Decima Wealth Consulting, we believe retirement planning isn’t just about the numbers, it’s about the life you’ve built. We focus on the complexities facing executives today: Reducing taxes, optimizing benefits, financial peace of mind.
Roth Optimization
Strategic conversions to minimize your lifetime tax burden.
Tax-Smart Income
Coordinated withdrawal strategies across all your accounts.
Fee Transparency
Straightforward pricing with no hidden agendas or commissions.
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Mastering Your Transition
Critical considerations for those entering their most impactful financial decade.
The Decade Before
The 10 years leading to retirement are your ‘red zone.’ One mistake here can cost hundreds of thousands in lifetime income.
RMD Management
Avoid the ‘tax cliff’ caused by Required Minimum
Distributions. We plan for these years in advance.
Roth Conversion
Convert assets at lower tax rates today to ensure tax-
free growth and legacy for tomorrow.
Healthcare & Medicare
Bridging the gap before age 65 and managing IRMAA
surcharges during retirement.
Social Security
Deciding when to claim Social Security can impact everything from quality of life to medicare costs and taxation. It is a uniquely personal decision we can help you plan for.
Account Sequencing
Which account do you spend first? Traditional, Roth, or
Brokerage? We solve the puzzle.
Frequently Asked Questions
Who is your typical Client?
We specialize in working with executives and pre-retirees who have accumulated significant assets and face complex tax and planning challenges.
Are you a fiduciary?
Yes. We are legally and ethically bound to act in your best interest at all times. We do
not sell products for commission.
How do you charge for your services?
Our fees are transparent and based on assets under management or a flat planning fee, depending on the complexity of your situation.
Do you help with Roth conversions?
Absolutely. Roth conversion analysis is a cornerstone of our tax-planning strategy for
high-income earners.
Can you manage my employer 401(k)?
Yes. We can both actively manage your 401(k) or provide advice on how to integrate the investments into your broader plan.
What is your investment philosophy?
We believe in evidence-based investing, low costs, and tax efficiency, avoiding the
pitfalls of speculative market timing.