Capital Wealth
The Practice

Planning.

Beyond the portfolio: pension maximization, insurance, long-term care, educator and federal pensions, estate and tax — every area coordinated under the CFP Board 7-step framework.

A mountain road climbing in switchbacks above the fogCapital Wealth · Planning
Retirement Income
CalculatorPension maximizationLife insurance vs. joint & survivor — run your pension numbers live and see what most retirees give up at election time.Open → CalSTRS / CalPERS403(b) for California educators2%-at-60 vs 2%-at-62 age-factor tables, CalPERS tiers, and the supplemental strategy that closes the pension gap.Open → Private Sector401(k) essentials2026 limits, the match, Traditional vs Roth, and the four rollover options when you change jobs.Open → Business OwnersCash balance & defined-benefit plansThe high-contribution overlay for practices and owners with strong cash flow.Open → Public SafetyPolice, fire & county safety pensionsSafety-tier formulas, DROP decisions, and the survivor elections that matter most.Open → FederalFederal, postal & nursesFERS, TSP, and the special-category rules — entity by entity, plan by plan.Open →
Risk & Protection
TimingSocial Security timing62 vs FRA vs 70 — the break-even math and the survivor-benefit angle most couples miss.Open → ExplainerSequence of returnsWhy the order of returns matters more than the average once withdrawals start — in one picture.Open → InsuranceFive types of life insurance, comparedTerm, Whole Life, UL, IUL and VUL side by side — with the honest trade-offs.Open → Long-Term CareThe retirement risk no one plans for70% of retirees need LTC and Medicare doesn’t pay for it. How a chronic-illness rider solves it.Open → HealthMedicare & retiree healthParts A–D, IRMAA brackets, and the gap-year problem for early retirees.Open →
Estate & Tax
EstateEstate planningWills, trusts, beneficiary hygiene, and the step-up rules — keeping the plan current.Open → WithdrawalsTax-efficient withdrawal orderingTaxable, tax-deferred, Roth — the sequencing that stretches a nest egg years further.Open → ReferenceThe 2026 tax guideBrackets, retirement limits, SALT caps, CalSTRS/CalPERS guidance — in plain English.Open → RothRoth IRA & the Super RothWith the national debt at $36T, the historical case that tax rates rise from here — and why paying tax at today’s rates beats deferring to tomorrow’s.Open →
Advanced Planning
Executive CompRSUs, ISOs, NQSOs, ESPP, NQDC, QSBSThe six-layer comp stack — AMT, 409A, 10b5-1 plans, exchange funds, the Section 1202 exclusion.Open → Oil & GasOperators, royalty owners & executivesWorking interest vs royalty vs services, the IDC deduction, 15% depletion, and concentration risk.Open → Cross-BorderCanadians in the U.S.The 1980 treaty, RRSP / 401(k) interaction, FIRPTA real estate, and non-resident accounts.Open → ValuesFaith-based investingBiblically responsible, Halal / Sharia-compliant, and Jewish-values portfolios — conviction investing that honors what you believe, screened without giving up the growth.Open →
Where to start

Fifteen minutes, one conversation.

We map your holdings, risk tolerance and goals to a strategy built for this market — and tell you honestly which of these pages actually applies to you.

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