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John and Sarah are two of our Gatewood Wealth Solutions (GWS) profiles — fictitious clients whose features are based on real GWS client stories. Our goal is to highlight the type of services we provide clients in a variety of life stages and situations, while still protecting our clients' privacy.


John and Sarah have worked hard throughout their earning years. Like many, they dedicated their lives to building a career, nurturing a family, and amassing wealth in various forms. After years of diligence, they’re ready to begin a well-deserved retirement, envisioning a future of leisure, exploration, and enjoyment in their golden years.


The couple’s diverse wealth portfolio is a testament to their lifelong commitment and prudent financial choices. However, as they look forward to retiring in the next 1-3 years, they're now grappling with Medicare choices, the nuances of the Income-Related Monthly Adjustment Amount (IRMAA), and the strategic decision of when to activate their Social Security benefits. They’re also concerned about effectively managing their wealth to support their lifestyle in retirement.



At Gatewood Wealth Solutions, we work with many couples nearing retirement. Here’s how we help John and Sarah — as well as other couples like them — address these concerns and work toward a successful retirement.

Medicare and Supplemental Insurance Guidance.

Our advisors break down the complexities of Medicare and supplemental insurance, assisting John and Sarah in making informed decisions. We offer insights into how IRMA (a surcharge that people with a certain level of income must pay in addition to their Medicare Part B and Part D premiums) might impact their costs and how to manage it.

Social Security Timing Advice. 

Through thorough analyses, we help John and Sarah pinpoint the ideal time to start their Social Security benefits. We also leverage tax-efficient strategies to enhance John and Sarah’s after-tax income and wealth preservation throughout their retirement.

Sustainable Income Strategies.

Our advisors construct bespoke cash targets and income strategies to align with each client’s unique needs and goals. We also build tailored portfolio allocation strategies to match John and Sarah’s investment account types, with the goal of balancing growth and liquidity.

Holistic Estate Planning.

We facilitate the creation of comprehensive estate plans that encapsulate John and Sarah’s wishes, providing assurance for a seamless transition of their legacy.

If John and Sarah’s story resonated with you, we’d love to talk. Contact us to learn how we can help give you confidence in pursuing your vision for life in retirement.

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