We help you retire with confidence.

Invest smarter. Reduce taxes. Retire confidently.

Rivertree Wealth is a retirement planning firm that believes in comprehensive planning and thoughtful investing. Our process is personalized and intentional.

It's our goal to help you invest wisely, pay less in taxes, and live your dream retirement. Schedule a call with us today to learn more about how we can help.

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Purpose-driven financial planning.

Our process is centered around you. We help identify your "why" so we can create a plan that's uniquely yours.

About Us

Rivertree isn't owned by any other larger company. We are an independent advisory firm which means we get to make clear, informed decisions.

We don't sell investment products for commissions or kickbacks. We provide honest, transparent advice to help you live your dream retirement.

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What We Do

Here's what you can expect from us.
Investment Management

At Rivertree, we believe that you should invest with a purpose. Without knowing what you are investing for, you will never "succeed". We have three guiding investment principles:

1. Diversification
2. Low-Cost
3. Avoid Market Timing

We apply these principles to every investment decision we make; helping you execute your plan successfully.

Retirement Income Planning

We help you identify how much income you will need in retirement and where that income will come from. We use our Retirement Income Buckets, giving you a visual understanding of where your income will be coming from in retirement.

The best part of using the income buckets is they help determine how your retirement nest egg will be invested. Instead of using cookie-cutter or rule-of-thumb investment allocations, we tailor your portfolio to your unique needs.

Tax Planning

One of your biggest expenses in retirement will be taxes. We help lower your taxes by proactively identifying the potential risks that lie ahead and the steps we can take to lower your future tax burden. This includes things like:

1. Roth Conversions
2. Tax-Loss Harvesting
3. Tax-Gain Harvesting
4. Lowering Social Security Taxation
5. Avoiding IRMAA surcharges
& much more...

If you don't have a tax plan, we can help.

Social Security Optimization

Social Security is the primary source of income for 70% of all retirees. Optimizing your benefits is crucial to living the retirement you envision. We identify how you can optimize your own benefits, but also spousal & survivor benefits.

There's more to it than just taking your benefits when you want to. We help you understand all of your options so you make the best decision for you and you family.

Estate Review

Estate planning is often forgotten or viewed as "not important." We place a high priority on having your affairs in order if something were to happen to you.

We will guide you in the basics of estate planning and then partner with trusted attorneys that will help establish any estate documents necessary.

The Rivertree Difference

We focus on helping people age 50+ invest smarter, reduce taxes, and retire with confidence.

What You Get

Transparent Pricing

Customized Advice

Fiduciary Advisors

What You Don't

Hidden Fees

Rule-Of-Thumb Advice

Hidden Conflicts of Interest

Watch & Listen

New videos & episodes weekly.

YouTube

New videos uploaded weekly!
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Podcast

A podcast covering all things retirement!
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FAQs

Answers to our most commonly asked questions.
Are you a Fiduciary?

Yes. We are fiduciaries 100% of the time and do not receive commissions for selling investment products.

Who does Rivertree work best with?

We work best with people age 50+ who have $1 million (or more) of assets saved for retirement.

Besides that, we only work with nice people.

What services do you offer?

At Rivertree, we believe that a plan is only valuable if it is comprehensive. Because of this, we offer the following services:

- Investment Management
- Tax Planning
- Income Planning
- Social Security Optimization
- Estate Review

Are you a CFP®?

Yes. Our advisors are CFP® Professionals or are in the process of attaining the CFP® designation.

Do you offer tax planning?

Yes. Tax planning is a crucial part of any retirement plan. We evaluate and plan for things like:

- Roth conversions
- Tax-loss harvesting
- Tax-gain harvesting
- Lowering Social Security taxes
- Avoiding IRMAA

Where are my assets held?

We use Charles Schwab as the primary custodian for all Client accounts.

It is important to have a trusted, 3rd-party custodian that is responsible for the safe-keeping of your life savings.

See how we can help.

It all starts with a complimentary Intro Call.