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Tailored Retirement Planning for Every Stage of Life

Tailored Retirement Planning for Every Stage of Life

At Runyan Capital, we understand that your financial goals evolve as you progress through various stages of life. Our expertise lies in crafting personalized financial plans and portfolios that not only align with your current situation but also reflect your future aspirations.

We seek to excel at customizing financial strategies that effectively blend risk mitigation, growth, and income to pursue your unique investment goals. By taking into account your individual needs and risk tolerance, we design portfolios that strive to provide a balance between safeguarding your assets, capitalizing on growth opportunities, and generating steady income.

Whether you're just starting your career, planning for retirement, or navigating significant life transitions, our team of dedicated professionals will work closely with you to create a financial roadmap tailored to your specific circumstances. We believe in building long-term relationships with our clients, offering ongoing support and guidance as you progress towards your financial objectives.

FAQs For Runyan Capital

1) When should I start retirement planning if I already have over $1m in assets?

Start now. For high‑net‑worth investors, the advantage comes from early coordination of taxes, withdrawals, and risk. The sooner we model cash flows, Social Security timing, and diversification from concentrated positions, the more options you will have later.

2) How do you create a reliable retirement income plan in a high‑cost market like Beverly Hills?

We build a tax‑aware income framework that blends protected cash flows, portfolio withdrawals, and Social Security timing. We then stress‑test the plan for inflation and longevity and update it proactively as your life and the markets evolve.

3) What rate of return should I plan for in retirement?

We model returns based on your specific allocation and risk capacity rather than broad market guesses. The focus is on protecting against sequence‑of‑returns risk, maintaining flexible spending rules, and rebalancing with discipline so the plan works through different market cycles.

4) How do you manage taxes on retirement income in California?

We integrate asset location, tax‑loss harvesting, Roth conversion windows, and withdrawal sequencing to reduce lifetime taxes. We also coordinate with your CPA to address California and multi‑state issues that are common among Los Angeles professionals.

5) When should I claim Social Security?

We evaluate benefits, life expectancy, marital status, and your withdrawal plan to determine an optimal claiming age. In many cases we coordinate claiming with Roth conversions and taxable account drawdowns so your after‑tax income is higher across your full retirement horizon.

6) Can you help me transition from accumulation to distribution without disrupting my lifestyle?

Yes. We create a spending policy that aligns monthly cash needs with portfolio income, dividends, and planned sales. We preserve your target risk level while keeping flexibility for larger items such as real estate moves or family support.

7) What if I hold a concentrated stock position or recently had a liquidity event?

We implement a disciplined diversification plan that can include staged sales, hedging, and charitable or trust strategies. The approach respects taxes and your timeline so a single position does not control your retirement outcome.

8) Do you account for healthcare costs and long‑term care?

Yes. We include Medicare timing, supplemental coverage, HSA strategies where available, and long‑term‑care scenarios. The goal is to prevent healthcare expenses from undermining your retirement income plan.

9) How often will we review my retirement plan?

We set a proactive review cadence that is typically quarterly or semiannual. Each review covers portfolio progress, taxes, income needs, major purchases, risk adjustments, and any estate or family updates. We adjust with discipline as your circumstances change.

Questions? Connect with a wealth advisor today.

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