At Rivertree, we believe that you should invest with a purpose. Without knowing what you are investing for, you will never "succeed". We have three guiding investment principles:
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1. Diversification
2. Low-Cost
3. Avoid Market Timing

We apply these principles to every investment decision we make; helping you execute your plan successfully.

We help you identify how much income you will need in retirement and where that income will come from. We use our Retirement Income Buckets, giving you a visual understanding of where your income will be coming from in retirement.

The best part of using the income buckets is they help determine how your retirement nest egg will be invested. Instead of using cookie-cutter or rule-of-thumb investment allocations, we tailor your portfolio to your unique needs.

One of your biggest expenses in retirement will be taxes. We help lower your taxes by proactively identifying the potential risks that lie ahead and the steps we can take to lower your future tax burden. This includes things like:

1. Roth Conversions
2. Tax-Loss Harvesting
3. Tax-Gain Harvesting
4. Lowering Social Security Taxation
5. Avoiding IRMAA surcharges
& much more...

If you don't have a tax plan, we can help.

Social Security is the primary source of income for 70% of all retirees. Optimizing your benefits is crucial to living the retirement you envision. We identify how you can optimize your own benefits, but also spousal & survivor benefits.

There's more to it than just taking your benefits when you want to. We help you understand all of your options so you make the best decision for you and you family.

Estate planning is often forgotten or viewed as "not important." We place a high priority on having your affairs in order if something were to happen to you.

We will guide you in the basics of estate planning and then partner with trusted attorneys that will help establish any estate documents necessary.