Monica McCarthy and her dog Chloe

Your Retirement. Your Plan. Your Trusted Guide.

Seascape Capital Management is your trusted guide as you prepare for and enter retirement, ensuring your wealth supports your lifestyle, your income is sustainable, and your financial future remains secure — so you can enjoy the life you’ve worked hard to build and focus on what matters most. 

Retirement marks the transition from earning and investing to relying on the wealth you've built over a lifetime. While this shift brings freedom and new opportunities, it also comes with financial complexities that require careful planning.

We help you navigate the complexities of managing retirement income to ensure your retirement is both financially secure and personally fulfilling.

Building a Secure & Sustainable Retirement Plan

  • How much do I need – What level of assets will provide the financial security to retire comfortably while enjoying the lifestyle I envision?
  • Optimizing Income Sources – How do Social Security, pensions, Required Minimum Distributions (RMDs), and investments fit into my long-term cash flow plan?
  • Managing Investments for Retirement Income – How do I structure my portfolio to generate reliable income while protecting against market volatility?
  • Creating and Monitoring Cash Flow – How do I create and sustain a spending strategy that supports my lifestyle while accounting for healthcare, inflation, and unexpected costs?
  • Tax-Efficient Withdrawals – How do I balance withdrawals from taxable, tax-deferred, and Roth accounts to minimize tax burdens over time?

Lifestyle & Housing Decisions

  • Where Will I Live – Should I stay in my current home, downsize, or explore alternative living arrangements that support my lifestyle and future needs?
  • Aging in Place versus Senior Living Options – What modifications or support do I need to stay in my home versus moving to a senior community?
  • Planning for Healthcare & Long-Term Care – Do I have enough assets to cover the cost of a care facility if needed? If not, can I acquire long-term care insurance to help supplement the expense?

Estate Planning & Wealth Transfer

  • Adapting to Major Life Changes – How do I navigate financial shifts due to the loss of a spouse or changes in health?
  • Survivor Readiness – What steps can I take to ensure my spouse and heirs are financially secure and confident in managing assets?
  • Understanding Estate Planning – How can I structure my estate to protect assets, control distributions, and minimize estate taxes to maximize the impact of my wealth transfer?
  • Charitable Legacy Planning – What strategies can I use, such as donor-advised funds or charitable trusts, to create a lasting philanthropic impact?

Retirement is more than just financial security — it’s about having the flexibility to enjoy life on your terms. 

Let us help you build a thoughtful, proactive strategy to support your lifestyle, protect your wealth, and provide peace of mind for the years ahead.

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