Secure Your Retirement with Guidance from Leading Investment Firms

Retirement is a stage of life that brings both excitement and uncertainty. While it may represent freedom from work and the opportunity to enjoy your time, it can also raise concerns—especially about preserving your savings and maintaining your lifestyle long term.

For individuals with significant assets, such as those managing portfolios of $5 million or more, strategic planning becomes even more critical. This is why many high-net-worth investors seek out the best investment firms for retirement—to help manage risk, optimize income, and align their portfolios with long-term retirement goals.

Top 10 Retirement Investment Companies by AUM

#	Name	Country	AUM ( billion USD)
1	BlackRock	US	$9,090
2	Vanguard Group	US	$7,600
3	Fidelity Investments	US	$4,240
4	State Street Global	US	$3,600
5	Morgan Stanley	US	$3,131
6	JPMorgan Chase	US	$3,008
7	Goldman Sachs	US	$2,672
8	Capital Group	US	$2,300
9	BNY Mellon	US	$1,910
10	PIMCO	US	$1,800

1. BlackRock

BlackRock, founded in 1988 and headquartered in New York City, is widely recognized as one of the best investment firms for high-net-worth individuals and institutions alike. With over $10 trillion in assets under management (AUM), BlackRock is the largest asset manager globally and plays a pivotal role in shaping investment trends, policies, and governance practices worldwide.

The firm offers a broad spectrum of private investment management services, ranging from equities and fixed income to real assets and alternatives. Notably, BlackRock integrates its proprietary portfolio management technology, Aladdin, into its advisory services—providing clients with sophisticated risk assessment and real-time analytics.

BlackRock caters to both individual investors and institutions, offering scalable solutions through actively and passively managed portfolios. Its focus on ESG (environmental, social, governance) integration demonstrates its long-term commitment to responsible and sustainable investing—an important consideration for many high-net-worth investors today.

For those exploring independent investment firms with global influence and a commitment to innovation and risk management, BlackRock is often considered a strong option.

Assets Under Management (AUM): $10 trillion

Account Minimums: $5,000

Fees: Approximately 0.80% annually

2. Vanguard Group

Vanguard Group is a U.S.-based investment firm known for its low-fee structure and investor-first approach. It has gained a reputation as one of the best investment firms for high-net-worth individuals due to its transparent cost structure, wide range of investment products, and fiduciary commitment to clients.

Vanguard offers a tiered service model. For clients with $50,000 to $5 million in investable assets, Vanguard provides access to its Personal Advisor Services, which includes fee-based investment advisors, personalized financial planning, and automated portfolio rebalancing. Clients with $500,000 or more can upgrade to Personal Advisor Select, receiving in-depth support from a dedicated advisor. At the $5 million level, investors access Vanguard Personal Advisor Wealth Management, which includes advanced planning services such as estate and tax planning.

Vanguard’s hallmark is its focus on cost efficiency. It’s widely considered a go-to choice for private investment management among investors seeking low fees and long-term stability.

Assets Under Management (AUM): $118.9 billion in discretionary client assets

Account Minimums: $50,000 – $5 million (service-level dependent)

Fees: 0.30% to 0.40% annually

3. Fidelity Investments

Fidelity Investments is a U.S.-based financial services provider that delivers a flexible and accessible approach to investment management. Known for its blend of digital tools and human advisors, Fidelity accommodates both beginner investors and high-net-worth individuals with more complex needs.

Fidelity offers several advisory tiers. Investors with $50,000 or more can begin with a phone-based advisor, ideal for foundational planning, retirement strategy, and tax-aware investing. For clients with $250,000 or more, Fidelity provides access to a dedicated advisor, offering deeper planning, risk analysis, and ongoing portfolio adjustments. The advisory fee ranges from 0.50% to 1.50%, depending on assets under management and service level.

Fidelity’s appeal lies in its ability to serve a wide spectrum of investors while offering fee-based investment advisors and a comprehensive set of tools, research, and education. For those seeking private investment management with broad support and a variety of options, Fidelity stands out among independent investment firms.

Assets Under Management (AUM): $652.6 billion in discretionary client assets

Account Minimums: $50,000 – $2 million

Fees: 0.50% to 1.50% depending on service tier

4. State Street Global Advisors

Founded in 1978 and headquartered in Boston, State Street Global Advisors (SSGA) is the investment management division of State Street Corporation. Known as one of the world’s largest asset managers, SSGA handles a diversified portfolio of investment vehicles, serving a wide range of institutional clients, including corporations, pension funds, and government entities.

SSGA offers clients access to a mix of investment products, including mutual funds, exchange-traded funds (ETFs), and customized portfolio solutions. It is particularly recognized for managing SPDR ETFs, most notably the SPDR S&P 500 ETF Trust, one of the most actively traded ETFs on the market.

The firm promotes responsible investing, integrating ESG (environmental, social, and governance) factors into its investment strategy for clients seeking values-based portfolios. SSGA provides both active and passive management approaches, depending on a client’s objectives. While some portfolios aim to outperform benchmarks, others seek to mirror index performance.

For high-net-worth investors looking for institutional-level services from a globally recognized firm, SSGA offers a competitive mix of experience, global reach, and investment innovation.

Assets Under Management (AUM): $3.6 trillion

Account Minimums: $25,000

Fees: 0.10% – 0.98%

5. Morgan Stanley

Morgan Stanley is one of the most well-established investment firms offering full-service private investment management. With a broad network of advisors and digital tools, it delivers tailored financial planning for a range of clients, including those focused on retirement income, estate planning, and legacy preservation.

The firm’s planning services are anchored in tools like LifeView® Advisor and LifeView® Personal Wealth Advisor, which allow financial professionals to model investment strategies and evaluate long-term financial goals. These include wealth transfer, tax-sensitive investing, and multi-generational planning—services often sought by high-net-worth individuals.

Morgan Stanley typically charges an asset-based fee that covers advisory services, trade execution, account reporting, and securities custody. Advisors may set their own account minimums and fees depending on their designations and client portfolio complexity.

For those seeking private investment management combined with a comprehensive planning approach, Morgan Stanley offers access to institutional-grade tools and personalized service from advisors across the country.

Assets Under Management (AUM): $1.5 trillion

Account Minimums: $5,000 (higher minimums may apply for premium services)

Fees: Percentage-based, typically tiered by AUM

6. JPMorgan

As a major player in global finance, JPMorgan provides a wide range of investment and wealth planning services to individuals, families, and institutions. Through its Personal Advisors and Private Client Advisory teams, clients can access goal-based financial planning, investment management, and strategic retirement solutions.

For investors managing retirement transitions or evaluating long-term strategies, JPMorgan’s team offers both digital and human advisory support. Clients with investable assets starting at $25,000 can work with advisors remotely, while those starting at $100,000 may access more in-depth planning services through a local Private Client Advisor.

Fees typically begin at 0.60% annually, with tiered reductions based on portfolio size. JPMorgan does not offer one-size-fits-all advice; instead, its advisors work closely with clients to customize portfolios aligned with personal risk tolerance, retirement goals, and overall wealth strategy.

Assets Under Management (AUM): $196.5 billion (discretionary client assets)

Account Minimums: $25,000 – $100,000

Fees: 0.40% – 0.60% depending on portfolio size and service level

7. Goldman Sachs

Goldman Sachs is one of the most prominent names in global finance, often recognized among the best investment firms for high-net-worth individuals. With an emphasis on exclusivity and personalized service, Goldman Sachs Private Wealth Management primarily serves ultra-high-net-worth clients and select institutional accounts.

To open a Private Wealth Management account, investors must have at least $10 million in investable assets. This high threshold reflects the premium nature of Goldman Sachs’ services, which include access to fee-based investment advisors, in-depth financial planning, and sophisticated investment management strategies tailored to each client’s unique objectives.

Goldman Sachs advisors support clients in areas such as portfolio diversification, philanthropic planning, estate strategies, and alternative investments. The firm also offers proprietary research and access to exclusive investment opportunities.

Assets Under Management (AUM): $2.81 trillion

Account Minimums: $10 million

Fees: Range from 1.1% to 1.25% annually

8. Capital Group

Capital Group is a highly respected independent investment firm known for its long-term focus and rigorous research-based approach. It offers tailored private investment management and wealth planning services designed to meet the individualized needs of both institutional and high-net-worth clients.

At Capital Group, clients work directly with wealth advisors who help define long-term goals and create a customized investment strategy aligned with personal circumstances, risk tolerance, and time horizon. This one-on-one approach makes it suitable for individuals seeking a thoughtful, client-focused firm.

Although many of Capital Group’s mutual funds are accessible to investors with relatively low minimums—as little as $250—its Private Client Services are geared toward those with larger portfolios seeking bespoke portfolio management and financial planning.

Assets Under Management (AUM): $2.2 trillion

Account Minimums: $250 (funds); higher minimums may apply for private services

Fees: Varies based on products and services selected

9. BNY Mellon

BNY Mellon Wealth Management serves high-net-worth individuals, families, and institutions with a broad suite of investment and wealth planning services. Its advisors collaborate closely with clients to craft financial strategies tailored to long-term objectives, such as retirement planning, legacy transfer, and tax efficiency.

BNY Mellon offers access to a wide array of financial tools, including custom portfolio construction, asset allocation services, and solutions through its global network of investment managers. Its strength lies in integrating resources across disciplines and geographies, which allows clients to benefit from a global perspective and local expertise.

The firm’s flexible service structure accommodates a range of investors, with account minimums typically starting between $25,000 and $500,000—making it accessible for emerging high-net-worth individuals while still delivering comprehensive advisory capabilities.

Assets Under Management (AUM): $1.8 trillion

Account Minimums: $25,000 to $500,000

Fees: Varies based on portfolio size and services used

10. PIMCO

PIMCO (Pacific Investment Management Company) is best known for its global fixed-income expertise and extensive offerings of mutual funds and ETFs. It is often considered one of the top choices for investors seeking fee-based investment advisors with specialized knowledge in bond markets and income strategies.

PIMCO serves a broad range of clients, including high-net-worth individuals, pension funds, foundations, and financial institutions. While the firm does not provide direct investment advisory services or personal consultations through PIMCO Funds, it supports investors through its partnerships with brokers and financial platforms.

Investors can access PIMCO’s offerings with a relatively modest initial investment—$1,000 per fund—which is further reduced to $250 when using an Automatic Investment Plan (AIP). This flexibility allows investors to build exposure to world-class fixed-income strategies regardless of portfolio size.

Assets Under Management (AUM): $2 trillion

Account Minimums: $1,000 ($250 with AIP)

Fees: Varies by fund; management expense ratios apply

What Do Investment Firms Do?

Investment firms play a crucial role in helping individuals manage their assets, optimize portfolios, and plan strategically for long-term financial goals—particularly retirement. For those preparing for retirement, especially high-net-worth individuals, the best investment firms offer more than just access to markets. They provide structured private investment management, tax efficiency strategies, estate coordination, and customized income planning.

The most reputable investment firms typically employ teams of financial professionals who assist clients in developing tailored strategies that align with their timeline, risk tolerance, and evolving life circumstances. These firms can range from institutional players to independent investment firms, each with its own service model, fee structure, and specialization.

However, navigating the landscape of investment professionals can be challenging. Unlike some other financial fields, the title “investment advisor” doesn’t always guarantee a uniform level of experience or regulatory oversight. While many investment professionals are licensed or registered with relevant authorities, others may operate under different classifications or firm-specific titles.

This results in a diverse marketplace of advisory experiences. On one end are Registered Investment Advisors (RIAs), who typically adhere to fiduciary standards and bring extensive training to their roles. On the other, you may encounter advisors newer to the field, gaining experience within larger financial institutions that employ a wide mix of junior and senior professionals.

Large banks and national financial firms often staff a broad range of advisors, offering services under brand name divisions. These institutions can be a starting point for many investors, but the quality of guidance may vary depending on the advisor’s background. In contrast, independent investment firms and fee-based investment advisors often maintain more consistent advisor qualifications and are known for offering objective, research-driven guidance.

For investors seeking clarity and personalized service, working with a fiduciary or independent firm may offer greater transparency and alignment with their financial interests. It’s important to verify the advisor’s credentials, understand their compensation structure, and determine whether their approach supports your long-term goals—especially as you plan for retirement.

Before identifying the best investment firms for high-net-worth individuals, it’s helpful to understand the different types of firms that exist in today’s financial services landscape. These include:

• Independent RIAs
• Broker-dealer affiliated firms
• Private banks and institutional advisory teams
• Robo-advisors and hybrid platforms

Understanding what investment firms actually do is the first step toward choosing one that fits your long-term goals.

Does Retirement Require a Specialized Investment Firm?

As you approach retirement, it’s natural to ask: “Should I continue with my current advisor, or is it time to explore a firm that specializes in retirement investment strategies?” For individuals with substantial assets or complex portfolios, this question becomes even more important.

The answer depends on how well your current advisor is equipped to support long-term retirement goals. Many advisors focus on maximizing returns through high-growth strategies, but as retirement nears, a shift toward preservation, income planning, and risk mitigation becomes essential. That’s where retirement-focused investment firms or private investment management specialists can add real value.

Not all investment firms are designed to address the unique needs of retirees or pre-retirees. While many firms offer general investment services, the best investment firms for high-net-worth individuals will also provide tailored strategies for managing income, taxes, healthcare costs, estate planning, and longevity risk.

For example, an advisor who prioritizes market timing or aggressive asset allocation may not be the best fit for a retirement portfolio. In contrast, fee-based investment advisors who specialize in retirement may take a more measured approach—one that aligns with your withdrawal needs, risk tolerance, and evolving financial goals over time.

The reality is that retirement isn’t just a financial event—it’s a transition that requires a comprehensive shift in strategy. From shifting toward income-producing investments to reducing exposure to market volatility, retirees need a customized plan that supports stability and confidence through decades of post-career life.

If your current advisor hasn’t addressed these adjustments or your plan still relies heavily on short-term performance, it may be time to explore firms that specialize in retirement wealth planning. Many independent investment firms offer this kind of support, often with a team-based approach that includes estate, tax, and healthcare planning.

By working with a firm that understands the retirement phase of wealth management, you’re not just optimizing returns—you’re securing your lifestyle and protecting your legacy.

If you’re evaluating whether a general or retirement-focused firm is right for you, consider comparing your options based on services and strategy fit.

4 Categories of Investment Firms for Retirement: Tailored Strategies for Long-Term Financial Planning

As you approach retirement, choosing the right investment firm can make a meaningful difference in how confidently you manage your future. The landscape of investment providers is broad, with each type offering different approaches to risk, planning, and portfolio support. Whether you’re focused on preserving wealth, generating income, or minimizing tax exposure, understanding the primary types of firms can help you make informed decisions.

Here are four categories of firms that support retirement investment planning, along with key financial concepts to consider—such as tax-advantaged accounts, brokerage options, and long-term asset strategies.

1. Investment Advisors

These professionals create personalized investment plans based on your financial goals and risk tolerance. While some advisors are highly experienced, it’s important to note that not all are required to be registered or licensed. This variability can affect the quality of service and the breadth of planning they offer. Investment advisors typically provide guidance on portfolio structure but may not directly handle trades or execute strategies without third-party involvement. For individuals with complex financial needs—including health savings accounts, education planning, and asset diversification—this category may not offer the depth required for comprehensive retirement planning.

2. Investment Brokers

Brokers act primarily as intermediaries to execute transactions on your behalf. Some offer suggestions on which investments to consider, but their role is generally more transactional than strategic. Brokers are often compensated through commissions, which can introduce potential conflicts of interest if frequent trading is encouraged unnecessarily. For high-net-worth investors, the added fees from excessive transactions can reduce long-term portfolio performance. While brokers are useful for executing trades, they may not be ideal as standalone retirement planning partners.

3. Robo Advisors

Robo-advisors use algorithms and automation to manage portfolios at a lower cost. These digital platforms provide access to diversified investments and tax-advantaged accounts like IRAs and HSAs. For investors seeking a simplified, hands-off approach, robo-advisors offer asset allocation, rebalancing, and sometimes even retirement calculators. However, because they lack personalized guidance, they may not address nuanced needs like wealth transfer planning, income strategy customization, or planning for healthcare expenses during retirement. Still, for tech-savvy investors with straightforward goals, robo-advisors may be a cost-effective supplement to broader planning efforts.

4. Wealth Management Firms

Wealth management firms take a comprehensive, fiduciary approach to financial planning—making them well-suited for individuals with $500,000 or more in investable assets. These firms typically offer coordinated services that include investment management, estate planning, tax strategy, risk mitigation, and retirement income planning. Wealth managers work closely with clients to ensure that every component of their financial life—from insurance to philanthropy—is accounted for. This level of service is particularly valuable for high-net-worth individuals managing complex assets or preparing for multi-generational wealth transfers. For retirement-focused planning that requires depth, coordination, and long-term oversight, wealth management firms often provide the most tailored support.

Incorporating Core Financial Concepts into Retirement Planning

When choosing an investment firm, it’s also important to consider how your chosen provider will help you navigate foundational planning tools. These may include:

• Tax-advantaged accounts such as IRAs, Roth IRAs, and HSAs
• Brokerage account strategies and capital gains implications
• Asset allocation tailored to income needs and risk reduction
• Annuities and pension options for consistent income streams
• Legacy and estate planning strategies for intergenerational wealth transfer

Whether you work with a digital platform, a transactional broker, or a full-service advisor, the key is ensuring your partner understands your financial picture—and has the tools to help you maintain financial stability through retirement.

With a clearer view of the types of firms available, you can begin narrowing down the options that match your retirement goals.

Is It Worth It to Hire an Investment Firm for Retirement?

If you’re asking whether it’s worth investing time and resources into finding the best investment firms for high-net-worth individuals as you approach retirement, the answer depends on one word: value. If you’re not receiving clear benefits—such as tailored planning, reduced risk, and improved outcomes—the fees and effort may not be justified. But in many cases, fee-based investment advisors can deliver significant long-term value through strategic planning.

Here’s how an independent investment firm can support your retirement journey:

1. Preserving Your Wealth

During retirement, your portfolio shifts from accumulation to distribution. Protecting the wealth you’ve built becomes a top priority. Independent investment firms help high-net-worth individuals develop retirement strategies that focus on minimizing volatility, optimizing withdrawal schedules, and ensuring assets are structured for long-term sustainability.

These firms typically offer private investment management services designed to help you maintain income, adapt to market changes, and avoid preventable losses that could erode your financial security.

2. Preparing for Healthcare-Related Expenses

Healthcare needs increase with age, and so do the associated costs. High-net-worth individuals may not face bankruptcy from a medical emergency, but unmanaged expenses can still impact their financial plans.

The best investment firms for retirement will incorporate long-term care planning, insurance evaluations, and health savings strategies into your overall financial roadmap. This ensures you’re not only covered but also paying appropriate premiums for the level of care you need.

3. Planning for Beneficiaries and Estate Transfer

Effective retirement planning also includes forward-looking estate and wealth transfer strategies. While retirement is about enjoying your later years, it’s also about ensuring your legacy is passed on smoothly.

The right fee-based investment advisors can help you establish estate plans that:

• Minimize inheritance taxes
• Reduce probate complexity
• Align with your wishes across multiple generations

By incorporating estate planning into your retirement strategy, you protect not only your own financial well-being—but also that of your family.

If you’re still weighing the value of partnering with a firm, start by reviewing which ones align with your planning priorities.

What Questions Should I Ask Investment Firms for Retirement?

When you’re considering working with an investment firm, asking the right questions can help you determine whether they’re equipped to support your long-term retirement goals. Whether you’re evaluating fee-based investment advisors or exploring private investment management options, the initial conversation is crucial.

Here are a few essential questions to ask when comparing the best investment firms for high-net-worth individuals:

What types of clients do you typically serve?

Make sure the firm has experience with clients whose financial situations are similar to yours. The best investment firms for high-net-worth individuals understand the complexities of larger portfolios and can tailor strategies accordingly. Whether your assets include real estate, business equity, or diversified securities, working with a firm that specializes in your wealth tier ensures a better fit.

How Will You Help Reduce My Costs and Taxes?

For high-net-worth individuals, unnecessary taxes and hidden fees can quietly erode wealth over time. When evaluating the best investment firms for retirement, it’s important to ask how they handle cost and tax efficiency—especially when managing large portfolios with complex holdings.

Experienced fee-based investment advisors should proactively assess your financial situation and apply tax-aware strategies to preserve more of your returns. Here’s one key example often used in retirement planning:

What is a Roth IRA?

A Roth IRA allows for tax-free withdrawals during retirement, provided certain conditions are met:
• The account has been open for at least five years
• You are age 59½ or older (or meet specific criteria such as disability, a first-time home purchase, or death)

Unlike traditional IRAs, Roth IRAs do not require mandatory minimum distributions (RMDs). This makes them a valuable tool in retirement planning—especially when used strategically. Converting funds from a traditional IRA into a Roth IRA can sometimes result in a lower overall tax burden if done during a low-income year or when market values are temporarily down.

However, conversions are taxed as income in the year they occur, so timing is critical. An experienced advisor from a qualified retirement investment firm can help you determine when a conversion makes sense and how to minimize its tax impact. The goal is to maximize after-tax income and reduce exposure to higher tax brackets in the future.

Why Tax Strategy Matters?

High-net-worth retirement planning involves more than just investment selection. It’s about understanding how to:
• Defer or reduce taxes through thoughtful asset location
• Minimize capital gains by strategically timing sales
• Take advantage of tax-advantaged accounts like Roth IRAs, HSAs, and charitable vehicles
• Avoid penalties by managing RMDs efficiently

Working with fee-based investment advisors who specialize in tax-sensitive strategies can make a measurable difference in your long-term outcomes.

What Are the Types of Investment?

Understanding the different types of investment strategies is key to building a diversified and resilient portfolio—especially for high-net-worth individuals. While the best investment firms for high-net-worth individuals offer a wide range of options, two common approaches include thematic investing and sector investing.

Thematic Investing

Thematic investing focuses on long-term trends and ideas—such as innovation in technology, climate change, or demographic shifts. Rather than targeting a specific company or industry, this strategy allows you to invest in opportunities shaped by evolving global developments. For example, a thematic portfolio might include companies involved in renewable energy, cybersecurity, or healthcare innovation.

This method offers flexibility and aligns with personal values, especially for investors who want to support causes or emerging industries. Independent investment firms that offer fee-based advisory services can help structure these portfolios to reflect both your goals and your risk tolerance.

Sector investing

Sector investing focuses on companies within a particular segment of the economy—such as technology, finance, healthcare, or energy. This strategy can provide targeted exposure to areas you believe have growth potential, while also allowing for risk diversification within that sector.

Many private investment management firms offer mutual funds or exchange-traded funds (ETFs) that focus on specific sectors. Some platforms waive trading fees for certain in-house funds. However, for high-net-worth individuals managing complex portfolios, it’s important to go beyond cost-efficiency. Working with a fee-based investment advisor who understands the nuances of sector performance, market timing, and tax impact is critical.

Tailored Solutions for High-Net-Worth Investors

For individuals with $500,000 or more in investable assets, choosing the right investment structure often requires more than just fund selection. Strategic portfolio design, estate planning, and tax optimization all play a role. That’s where partnering with a qualified wealth manager or independent investment firm can provide significant advantages.

Explore how fee-based investment advisors can help you build a portfolio that includes thematic, sector-based, or alternative investments—all aligned with your financial objectives.

Knowing what to ask can help you find a firm that fits—not just financially, but strategically and personally.

Final Thoughts: Choosing the Best Investment Firms for Retirement

Selecting the best investment firm for retirement is a step that can offer long-term financial clarity, especially for high-net-worth individuals preparing for life after work. With the right firm, you gain access to personalized portfolio planning, risk mitigation strategies, and retirement-focused asset management—all designed to help protect and grow your wealth as you transition out of your earning years.

Independent investment firms and fee-based investment advisors can offer diversified solutions such as mutual funds, ETFs, and annuities. Some provide cost-efficient structures like low or no account minimums, commission-free trades, and automated investment options. However, these features alone don’t guarantee the best fit. The right firm will align with your risk tolerance, tax planning needs, and retirement timeline—not just offer low fees.

Retirement Plan Options to Consider

Employer-Sponsored Plans

Many individuals build their retirement savings through workplace-sponsored plans such as 401(k)s or defined benefit pensions. A defined benefit plan guarantees a fixed income after retirement, while a 401(k) plan allows pre-tax contributions, with taxes typically deferred until withdrawal.

Individual Retirement Accounts (IRAs)

For those seeking more control or additional tax advantages, Traditional IRAs and Roth IRAs are widely used. A traditional IRA defers taxes until retirement withdrawals, while Roth IRA contributions are taxed upfront, allowing for tax-free withdrawals in retirement if conditions are met.

Annuities and Alternative Strategies

Some investors explore annuities through insurance providers to create guaranteed income streams in retirement. The more you invest, the higher your future income payments. While not suitable for everyone, annuities may provide peace of mind for those looking to offset longevity risk.

Custom Plans for Specialized Sectors

Professionals in education, government, or business ownership may have access to unique retirement plans such as 403(b), SEP IRA, or Solo 401(k). These specialized options can offer additional flexibility and tax benefits depending on your employment status and business structure.

Plan Ahead with Confidence

Whether you’re considering a fee-based advisor or reviewing independent investment firms, the key to successful retirement planning lies in choosing a partner that understands your financial landscape. PillarWM Finder helps users explore a wide range of investment professionals while remaining a neutral, research-based directory—empowering you to compare options, evaluate strategies, and make informed decisions based on your goals.