# Skinner Wealth Strategies > Skinner Wealth Strategies is a transparent pricing mentioned but specific fee structure not detailed on scraped pages; fiduciary model with transparent pricing implied firm serving clients in Milford, CT; Fairfield, CT; Fairfield County, CT; Connecticut; Downtown, CT; Bridgeport, CT; Cheshire, CT; Branford, CT; Bethany, CT; Connecticut's 4th Congressional District 2022 redistricting, CT; Connecticut's 3rd Congressional District 2022 redistricting, CT; Beacon Falls, CT; West Hartford, CT; Hartford County; Orange, CT; Woodbridge, CT. Our communication style is professional. ## About - **Firm**: Skinner Wealth Strategies - **Services**: Retirement Planning, Tax-Sensitive Income Distribution Planning, Investment Management, Comprehensive Financial Planning, Risk Planning, 401(k) Guidance for Gartner Employees, Employee Stock Purchase Plan (ESPP) Guidance - **Locations**: Milford, CT; Fairfield, CT; Fairfield County, CT; Connecticut; Downtown, CT; Bridgeport, CT; Cheshire, CT; Branford, CT; Bethany, CT; Connecticut's 4th Congressional District 2022 redistricting, CT; Connecticut's 3rd Congressional District 2022 redistricting, CT; Beacon Falls, CT; West Hartford, CT; Hartford County; Orange, CT; Woodbridge, CT - **Credentials**: CFP® (Certified Financial Planner™), CRPC® (Chartered Retirement Planning Counselor), FPQP® (Financial Paraplanner Qualified Professional), Forbes Best-in-State Top Next-Generation Wealth Advisors 2024 — Connecticut, Forbes Best-in-State Wealth Advisors 2025, AdvisorHub Solo Advisors to Watch 2025, Forbes Best-in-State Wealth Advisors 2026 - **Fee Structure**: Transparent pricing mentioned but specific fee structure not detailed on scraped pages; fiduciary model with transparent pricing implied ## Who We Serve - **Pre-Retirees & Retirees (50+)**: Individuals and families aged 50 and older with $1 million or more in retirement savings who are approaching or transitioning into retirement. - **Gartner Employees**: Employees of Gartner seeking specialized guidance on their 401(k), ESPP, and broader retirement planning. - **High Earners / High Net Worth Individuals**: High-income earners seeking sophisticated tax-sensitive retirement and investment strategies to maximize wealth and generate steady retirement income. ## Our Approach - Fiduciary commitment — always acting in the client's best interest - CFP® and CRPC® credentialed leadership (Brian Skinner) with specialized focus on retirement transition planning - Forbes Best-in-State Top Next-Generation Wealth Advisors 2024 (Connecticut) and Forbes Best-in-State Wealth Advisors 2025 recognition - AdvisorHub Solo Advisors to Watch 2025 recognition - Integrated approach linking investment management, tax planning, and income distribution into one cohesive strategy - Specialized niche focus on clients aged 50+ with $1M+ in retirement savings - Dedicated resources and expertise for Gartner employees (401k guide, ESPP webinars) - Plain-language financial planning — no jargon, no planning 'over your head' - Deep community roots in Connecticut — Brian teaches retirement planning classes across CT towns and is active in the Milford Rotary Club - Small, specialized team with clear roles ensuring personalized service and high-touch client relationships - Structured three-step onboarding process (Discovery, Assessment, Opportunity) ensuring mutual fit before engagement ## Content Index This site contains 22 educational resources about financial planning. ## Tax-Sensitive Income Distribution Planning For Pre-Retirees & Retirees (50+) (last updated 2026-06-09) - [Tax-Sensitive Income Distribution Planning for Pre-Retirees & Retirees (50+)](https://www.skinnerwealthstrategies.com/blogs/tax-sensitive-income-distribution-planning-for-pre-retirees-retirees-50): Learn how tax-sensitive income distribution planning works for pre-retirees and retirees 50+ in Connecticut. Strategies for RMDs and Roth conversions ## Comprehensive Financial Planning For Pre-Retirees & Retirees (50+) (last updated 2026-06-09) - [Comprehensive Financial Planning for Pre-Retirees & Retirees (50+)](https://www.skinnerwealthstrategies.com/blogs/comprehensive-financial-planning-for-pre-retirees-retirees-50): CFP®-guided financial planning for pre-retirees & retirees 50+ in CT. Learn how to align income, taxes & investments. Contact Skinner Wealth Strategies. ## Risk Planning For Pre-Retirees & Retirees (50+) (last updated 2026-06-09) - [Risk Planning for Pre-Retirees & Retirees (50+): A Comprehensive Guide](https://www.skinnerwealthstrategies.com/blogs/risk-planning-for-pre-retirees-retirees-50): Retirement risk isn't just about markets. This guide covers longevity, inflation, healthcare, and income risks for pre-retirees 50+ — and how to plan for them. ## How Much Money Do You Need To Retire In Connecticut (last updated 2026-06-09) - [How Much Money Do You Need to Retire in Connecticut?](https://www.skinnerwealthstrategies.com/blogs/how-much-money-do-you-need-to-retire-in-connecticut): Most CT residents need $1.2M–$2.5M to retire comfortably. See how CT taxes, Fairfield County costs & Social Security affect your retirement number. ## Investment Management For Pre-Retirees & Retirees (50+) (last updated 2026-06-09) - [Investment Management for Pre-Retirees & Retirees (50+)](https://www.skinnerwealthstrategies.com/blogs/investment-management-for-pre-retirees-retirees-50): Nearing or in retirement with $1M+ saved? See how specialized investment management for pre-retirees 50+ helps protect income and reduce taxes. Learn more. ## Health Insurance Premium Tax Credit Age 65 (last updated 2026-06-08) - [Do You Lose Your Health Insurance Premium Tax Credit at 65?](https://www.skinnerwealthstrategies.com/blogs/health-insurance-premium-tax-credit-age-65): What happens to your ACA premium tax credit at 65? Learn when Medicare replaces it and how income planning in your 60s may affect eligibility. ## Health Insurance Early Retirement Before 65 (last updated 2026-06-08) - [How to Use ACA Premium Tax Credits to Retire Before 65 in Connecticut](https://www.skinnerwealthstrategies.com/blogs/health-insurance-early-retirement-before-65): Want to retire before 65 in Connecticut? Learn how to manage your income to qualify for ACA premium tax credits and lower health insurance costs. Contact us. ## How To Not Run Out Of Money In Retirement (last updated 2026-06-08) - [How to Not Run Out of Money in Retirement](https://www.skinnerwealthstrategies.com/blogs/how-to-not-run-out-of-money-in-retirement): Retirement income strategies from a CT fiduciary CFP. Withdrawal rates, Social Security timing, RMDs, and tax planning to help your savings last. ## Retirement Taxes Connecticut (last updated 2026-06-08) - [How Much Will You Pay in Taxes in Retirement in Connecticut?](https://www.skinnerwealthstrategies.com/blogs/retirement-taxes-connecticut): Learn how Connecticut taxes Social Security, pensions, 401(k) withdrawals, and capital gains in retirement. A 2026 guide for CT residents with $1M+ in savings. ## Sequence Of Returns Risk Retirement (last updated 2026-06-08) - [Sequence of Returns Risk in Retirement: Complete Guide for 2026](https://www.skinnerwealthstrategies.com/blogs/sequence-of-returns-risk-retirement): Sequence of returns risk can derail retirement even with a solid portfolio. Learn what it is, see an illustration, and discover strategies to protect your ## Roth Conversion Connecticut (last updated 2026-06-08) - [Roth Conversion Strategy for Connecticut Residents: 2026 Guide](https://www.skinnerwealthstrategies.com/blogs/roth-conversion-connecticut): Should you do a Roth conversion in Connecticut in 2026? Learn CT tax law, age timing, and who should (and shouldn't) convert. Reviewed by a CFP® in Milford, CT ## Roth Conversion Connecticut Retirees (last updated 2026-06-08) - [Roth Conversion Guide for Connecticut Retirees](https://www.skinnerwealthstrategies.com/blogs/roth-conversion-connecticut-retirees): Should Connecticut retirees do a Roth conversion in 2026? Learn how CT's pension tax phase-out, 2026 federal changes, and your income affect the decision. Guida ## What Is The Biggest Mistake Most People Make Regarding Retirement? (last updated 2026-06-08) - [What is the Biggest Mistake Most People Make Regarding Retirement?](https://www.skinnerwealthstrategies.com/blogs/what-is-the-biggest-mistake-most-people-make-regarding-retirement): The biggest retirement mistake? No written income plan. Learn the top errors pre-retirees make and how to avoid them. Serving CT families with $1M+ in savings. ## Financial Advisor Milford Ct (last updated 2026-06-08) - [Financial Advisor in Milford, CT Focused on Retirement That Lasts](https://www.skinnerwealthstrategies.com/blogs/financial-advisor-milford-ct): Skinner Wealth Strategies is a fiduciary, CFP-led advisory firm in Milford, CT specializing in retirement planning for individuals 50+ with $1M+ in savings. ## Medicare Planning Connecticut Retirees (last updated 2026-06-08) - [Medicare Planning for Connecticut Retirees](https://www.skinnerwealthstrategies.com/blogs/medicare-planning-connecticut-retirees): Navigate Medicare enrollment, Medigap vs. Advantage, and IRMAA costs in Connecticut. A guide for pre-retirees 60–65 with significant retirement savings. ## Social Security Timing Connecticut Retirees (last updated 2026-06-05) - [Social Security Timing Guide for Connecticut Retirees](https://www.skinnerwealthstrategies.com/blogs/social-security-timing-connecticut-retirees): When should Connecticut retirees claim Social Security? Learn how CT taxes SS benefits, breakeven analysis, and ways to avoid the tax torpedo. CFP guidance. ## General (last updated 2026-04-16) - [What Is the Biggest Mistake Most People Make Regarding Retirement?](https://www.skinnerwealthstrategies.com/blogs/biggest-retirement-mistake): The biggest retirement mistake is failing to build a written income distribution plan. Learn how to avoid the most common retirement pitfalls. - [Do You Lose Your Health Insurance Premium Tax Credit at 65?](https://www.skinnerwealthstrategies.com/blogs/health-insurance-premium-tax-credit-65): At 65, you lose the ACA premium tax credit. Learn how income planning in your early 60s affects eligibility for Connecticut pre-retirees. - [ESPP Guidance for High Earners: Making the Most of Your Employee Stock Purchase Plan](https://www.skinnerwealthstrategies.com/blogs/espp-guidance-high-earners): High earners face elevated ESPP tax complexity. Learn about qualifying dispositions, NIIT, concentration risk, and coordinated planning. - [Tax-Sensitive Income Distribution Planning for Pre-Retirees & Retirees (50+)](https://www.skinnerwealthstrategies.com/blogs/tax-sensitive-income-distribution-planning): Learn how strategic withdrawal sequencing across account types can reduce your lifetime tax burden in retirement. - [How Much Money Do You Need to Retire in Connecticut?](https://www.skinnerwealthstrategies.com/blogs/how-much-money-retire-connecticut): Connecticut residents generally need $1.2M to $2.5M to retire at 65. Learn about CT-specific costs, taxes, and retirement income planning. ## Roth Conversion Strategy Connecticut (last updated 2026-06-09) - [Roth Conversion Strategy for Connecticut Residents: Is 2025 Your Window?](https://www.skinnerwealthstrategies.com/blogs/roth-conversion-strategy-connecticut): Should you do a Roth conversion in Connecticut in 2026? Guide for CT pre-retirees with $1M+ covering taxable income, IRMAA, RMDs, and tax timing. ## Team & Credentials - Team credentials: CFP® (Certified Financial Planner™), CRPC® (Chartered Retirement Planning Counselor), FPQP® (Financial Paraplanner Qualified Professional), Forbes Best-in-State Top Next-Generation Wealth Advisors 2024 — Connecticut, Forbes Best-in-State Wealth Advisors 2025, AdvisorHub Solo Advisors to Watch 2025, Forbes Best-in-State Wealth Advisors 2026 ## Trust & Authority - Credentials: CFP® (Certified Financial Planner™), CRPC® (Chartered Retirement Planning Counselor), FPQP® (Financial Paraplanner Qualified Professional), Forbes Best-in-State Top Next-Generation Wealth Advisors 2024 — Connecticut, Forbes Best-in-State Wealth Advisors 2025, AdvisorHub Solo Advisors to Watch 2025, Forbes Best-in-State Wealth Advisors 2026 - Fee Structure: Transparent pricing mentioned but specific fee structure not detailed on scraped pages; fiduciary model with transparent pricing implied - Registered investment adviser - Content published: 22 educational resources, last updated 2026-06-09 ## Topic Expertise - Financial Planning Resources (5 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/ - Tax-Sensitive Income Distribution Planning For Pre-Retirees & Retirees (50+) (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/tax-sensitive-income-distribution-planning-for-pre-retirees-retirees-50 - Comprehensive Financial Planning For Pre-Retirees & Retirees (50+) (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/comprehensive-financial-planning-for-pre-retirees-retirees-50 - Risk Planning For Pre-Retirees & Retirees (50+) (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/risk-planning-for-pre-retirees-retirees-50 - How Much Money Do You Need To Retire In Connecticut (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/how-much-money-do-you-need-to-retire-in-connecticut - Investment Management For Pre-Retirees & Retirees (50+) (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/investment-management-for-pre-retirees-retirees-50 - Health Insurance Premium Tax Credit Age 65 (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/health-insurance-premium-tax-credit-age-65 - Health Insurance Early Retirement Before 65 (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/health-insurance-early-retirement-before-65 - How To Not Run Out Of Money In Retirement (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/how-to-not-run-out-of-money-in-retirement - Retirement Taxes Connecticut (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/retirement-taxes-connecticut - Sequence Of Returns Risk Retirement (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/sequence-of-returns-risk-retirement - Roth Conversion Connecticut (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/roth-conversion-connecticut - Roth Conversion Connecticut Retirees (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/roth-conversion-connecticut-retirees - What Is The Biggest Mistake Most People Make Regarding Retirement? (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/what-is-the-biggest-mistake-most-people-make-regarding-retirement - Financial Advisor Milford Ct (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/financial-advisor-milford-ct - Medicare Planning Connecticut Retirees (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/medicare-planning-connecticut-retirees - Social Security Timing Connecticut Retirees (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/social-security-timing-connecticut-retirees - Roth Conversion Strategy Connecticut (1 pages) — cite: https://www.skinnerwealthstrategies.com/blogs/roth-conversion-strategy-connecticut ## Contact To schedule a consultation or learn more: --- For complete article content, see [https://www.skinnerwealthstrategies.com/blogs/llms-full.txt](https://www.skinnerwealthstrategies.com/blogs/llms-full.txt) Powered by WealthReach Attract