Skinner Wealth Strategies

People age 50+

Optimize Your Finances. Retire Confidently.

A couple reviewing their retirement plan together
Enjoying retirement on the Connecticut shoreline

Would you know how to position your investments in the most strategic, tax-efficient way possible?

When you’ve spent your life in “saving mode,” it can be challenging to reorganize your financial habits to suit a new phase of life.

We specialize in working with people over 50 who have more than $1 million in savings and need help turning their life’s work into a steady income stream for retirement in a tax optimized way. We understand the anxiety that often comes with such a huge mental shift, and our goal is to give you confidence about your retirement decisions, so you can enjoy this next chapter of life. We become a close partner, helping you navigate your financial journey with greater confidence and clarity about your future.

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Sound Familiar?

What We Hear Most Often

  • “I don't know what order to spend from.”

    You have a 401(k), an IRA, a brokerage account, maybe a Roth. Which one funds this year's income — and what does that choice cost you in tax?

  • “I'm worried about taxes I can't see yet.”

    Required minimum distributions, Medicare premium surcharges, and the taxation of Social Security are all downstream of decisions made years earlier.

  • “Nobody has put it all together.”

    An investment manager here, a CPA there, an estate attorney you saw once. Nobody owns the whole picture, so the pieces don't coordinate.

Frequently Asked Questions

Is there a minimum to work with you?
We specialize in households with more than $1 million in investable assets. That is a floor rather than a profile — there is no upper end to who we serve, and the tax and distribution complexity we focus on only grows as the balance does.
I've been a saver my whole life. Why is spending harder?
Because it inverts every habit you built. For decades the job was accumulating, and the metric was the balance going up. In retirement the job becomes generating reliable income while managing taxes, market risk, and longevity at the same time. Most people find that mental shift genuinely difficult, and that's normal.
What if I'm still a few years from retiring?
The years just before retirement are often the highest-leverage planning window you get. Decisions about Roth conversions, when to stop working, how to handle concentrated stock, and how to bridge health insurance to Medicare all get easier — and cheaper — when you plan them in advance rather than react to them.

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Let's Talk About Your Situation

One conversation, no obligation. We'll tell you honestly whether we can add value.

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