SWAG Retirement Roadmap
Retire once—and stay retired—with a strategy that adapts as life and markets change.
Most retirees don’t fall short because they saved too little; they fall short because they didn’t have a plan for what happens next.
Your SWAG Roadmap fixes that with a clear, time-segmented approach.
What your Roadmap delivers
- Tax-smart income – optimized withdrawals and timely Roth conversions.
- Healthcare readiness – models long-term-care costs before they surface.
- Layered income streams – built to fight inflation and sequence-of-return risk.
- Total organization – every account and document lives in the my.bfocfo.com app.
The Four Stages of Wealth
Income Now Stage
Focus on securing core living expenses with a goals-driven, bottom-up plan. Prioritize reliable, guaranteed income streams (like Social Security and pensions), and utilize stable private credit and debt investments designed for high returns, low volatility, and liquidity.
Income Later Stage
Protect and grow discretionary spending, such as bucket-list goals, by leveraging investments that provide stable returns. This stage emphasizes preserving Required Minimum Distributions (RMDs) and managing volatility through private credit and debt assets.
Investment Growth Stage
Utilize Intelligent Allocation technology, stocks, and private equity investments to drive growth over extended periods (12+ years), replenishing earlier income withdrawals and preparing for potential long-term care and family risk management.
Legacy Planning Stage
Prioritize surviving-spouse security, asset protection, and strategic estate planning to amplify charitable contributions and minimize estate taxes. The Family Legacy Box ensures clarity and continuity across generations.
Your Family’s Customized Retirement Roadmap
At Boutique Family Office™ we don’t guess—and we never settle for generic. Your SWAG Roadmap is a personalized, goals-driven plan that:
- ✔ Matches each dollar to the stage of retirement when you’ll need it
- ✔ Reduces risk while maximizing opportunity through our Intelligent Allocation® platform and Private Market Alpha solutions
- ✔ Aligns investments, taxes, healthcare, and legacy into one cohesive strategy
- At Boutique Family Office™, we help you retire once—with a plan that adapts as your life and the markets do.
Ready to see your Roadmap?
Let’s build a retirement plan that helps you keep more, grow more, and live more—with clarity, confidence, and your SWAG firmly in place.