Retirement Planning in Sacramento
Retirement Planning In Sacramento
Retirement is one of life's larger transitions. Our advisors help you approach it with clarity, comfort, and confidence, building a written plan for your income, your goals, and the life you want beyond your working years.
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- CFP®Certified Financial Planner
- AIF®Accredited Investment Fiduciary
- Focused Wealth®Our Planning Process
- Gold River, CAServing Greater Sacramento
Retirement Planning That Brings Clarity
Zeller Kern Wealth Advisors helps you address the vital areas of retirement and prepare for your life and well-being beyond your working years. We listen first, work to understand your needs, and then help you plan the years ahead. As your life changes, your plan is tailored to keep pace with it.
This transitional period calls for careful consideration. Our analysis is thoughtful, methodical, and comprehensive. We work with you to create and implement a detailed written plan, so the decisions ahead rest on a clear picture rather than guesswork. Steven Zeller has described this as approaching retirement with a sense of purpose, not simply a date on the calendar, a theme he returns to often in his writing on managing and protecting family wealth (Source: Steven E. Zeller, Family Fortunes).
The result is a plan that reflects your goals, your values, and your definition of a successful retirement, supported by advisors who treat this as a long-term relationship rather than a single transaction.
Why This Matters
Leaving a career changes far more than a daily schedule. It shifts how your income arrives, how your savings are taxed, and how you spend your time. Planning ahead turns those unknowns into decisions you can make on your own terms.
Your Income Has To Last
A 65-year-old today has roughly a one-in-three chance of living past 90, so a plan built for a 20 to 30 year retirement is realistic rather than cautious.
Source: Social Security Administration, Actuarial Life Tables
Taxes Do Not Stop
Withdrawals from pre-tax accounts are taxed as ordinary income, and required minimum distributions generally begin at age 73. The order in which you draw from accounts can meaningfully affect what you keep.
Source: Internal Revenue Service, RMD FAQs
Purpose Guides The Plan
The strongest retirement plans start with what you want your days to look like. Clarity about purpose informs how much you need and how you invest to get there.
Source: Steven E. Zeller, Family Fortunes
What Retirement Planning Includes
We build and implement a detailed written plan that addresses the areas that shape a successful retirement, then review it on an ongoing, goal-centric basis as your circumstances change.
Goals And Lifestyle Clarity
Defining what you want your retirement years to look like, so every financial decision has a purpose behind it.
Retirement Asset Analysis
Reviewing your accounts and building your asset buckets so withdrawals are coordinated and tax-aware.
Tax-Efficient Strategies
Structuring how and when you draw on different accounts, with an eye toward the tax impact across your retirement.
Investment And Risk Planning
Aligning your investment approach and asset protection with your timeline, and coordinating risk management as needs shift.
Ongoing Goal-Centric Reviews
Regular reviews with wealth tracking and document storage through our technology platforms, so the plan stays current with your life.
Our Focused Wealth® Process
First developed more than fifteen years ago and refined ever since, the Focused Wealth® Process is a client-centered approach that considers your goals, values, purpose, family, and wealth together. It moves through four stages.
STAGE 1Discover Your Purpose
Understanding your goals, values, and what you want your wealth to make possible.
STAGE 2Develop The Plan
Translating that understanding into a detailed, written retirement plan.
STAGE 3Implement The Plan
Putting the strategies to work with clear timing and coordination.
STAGE 4Manage The Results
Reviewing progress over time and adjusting as your life and goals evolve.
Why Work With Zeller Kern
Your retirement plan is led by advisors who have built this practice around long-term relationships and a comprehensive, written planning process. Recommendations within the advisory relationship are made in your best interest.
CFP® • AIF® • NQPC® • President
A CERTIFIED FINANCIAL PLANNER™ professional with more than 30 years in the profession, Steve helps families, executives, and business owners build purposeful, tax-smart wealth plans. He developed the firm's Focused Wealth® Process and writes regularly on retirement and family wealth.
Read Steven Zeller's Full Bio
AIF® • AAMS • Vice President & CFO
An Accredited Investment Fiduciary® with a Master's in Finance from CSU Sacramento, Trevor works closely with pre-retirees and business owners on investment management and company retirement plans, guiding rollovers and account transitions as clients move toward retirement.
Read Trevor Kern's Full Bio
Areas We Serve
From our office in Gold River, we provide retirement planning to individuals, families, and business owners across the greater Sacramento region.
Gold River
Sacramento
Rancho Cordova
Folsom
Carmichael
Fair Oaks
Roseville
El Dorado Hills
2377 Gold Meadow Way, Suite 100
Gold River, CA 95670
Office: 916.436.8270
It's Time For A Purposeful Conversation
Ready to approach retirement with a clear, written plan? Connect with Zeller Kern Wealth Advisors for a meaningful discussion about your goals, values, and the years ahead, and let's build a plan that helps you grow, protect, and manage your wealth with confidence.
Request a Retirement Planning Consultation
Frequently Asked Questions
When should I start planning for retirement?
The earlier the better, though it is rarely too late to benefit from a plan. Planning well before your target date gives you more room to coordinate income sources, manage taxes, and adjust course. If you are within a few years of retiring, a written plan becomes especially valuable because the decisions ahead, such as when to claim Social Security and how to draw on your accounts, are difficult to reverse.
How much income will I need in retirement?
It depends on the life you want, not on a single rule of thumb. We start by clarifying your goals and lifestyle, then build an income and cash flow analysis around them, accounting for Social Security, investments, pensions, and other sources. The goal is a realistic picture of what you will spend and where that money will come from across a retirement that may last 20 to 30 years or more.
How are taxes handled in a retirement plan?
Taxes continue in retirement, and the order in which you draw from accounts can affect what you keep. Withdrawals from pre-tax accounts are taxed as ordinary income, and required minimum distributions generally begin at age 73 (Source: Internal Revenue Service, RMD FAQs). We build tax-efficient strategies into your plan so withdrawals are coordinated with your broader situation.
What is the Focused Wealth Process?
It is the comprehensive planning process Zeller Kern developed more than fifteen years ago and has refined ever since. It moves through four stages: Discover Your Purpose, Develop the Plan, Implement the Plan, and Manage the Results. The process considers your goals, values, purpose, family, and wealth together, rather than treating retirement as a single number.
Do you only work with clients near Sacramento?
Our office is in Gold River, California, and we work with clients across the greater Sacramento region and beyond. Financial professionals may transact business and respond to inquiries only in states in which they are properly registered. The best first step is to start a conversation so we can confirm how we can help.
