Our goal at Cape Retirement Wealth Advisors is to provide our clients with a realistic plan that takes the money worries out of retirement living, creating a retirement income that they can’t outlive.

You don’t have to roll the dice in the stock market, and you don’t have to live on the low rates people are receiving from bank CDs or money markets.

We can help you create a flow of income that you can’t outlive, while slashing risk to the bone.

You won’t get a cookie cutter, one-size-fits-all plan at Cape Retirement Wealth Advisors. We are committed to developing personalized strategies just for you, driven by your specific conditions and needs, giving you a retirement income you can count on for the rest of your life.

Cape Retirement Radio

About Christopher J. Letendre

Chris grew up in Bedford, New Hampshire and graduated from Southern New Hampshire University in 1991. He has been a financial consultant for 21 years. He resides in Cape Cod with his wife and two children.

Chris received his training from several major firms and is licensed in multiple states. He currently serves as an independent Investment Advisor Representative under his own registered investment advisory firm. As an independent financial practice, Cape Retirement Wealth Advisors has no allegiance to any specific companies or financial tools.

Chris focuses on retirement income planning, asset management, Social Security, Medicaid and legacy and estate planning.

Click here for a note from Chris

Our Services

Our services and strategies provide tax-efficient investments and retirement solutions that help you take control of your future and achieve financial independence. We can achieve a lot with the assets you have, no matter the amount. You don’t have to be “rich” to benefit from our strategies.

Our plans are designed with the following emphasis:

IRA Planning

We will work closely with you to educate you on the important rules regarding IRA accounts (401k, 403b, 457, etc.). When it comes to planning for the distribution of assets currently held in IRA accounts, there are a number of potential hazards that can cost you thousands in penalties and unnecessary taxation. We will help you navigate these hazards and ensure your IRAs remain intact for you and your beneficiaries.

Estate Planning

We will work with you and your attorney to aid in the establishment of wills, trusts and other legal documents to help you control what you own during your lifetime. This planning also sets the stage for the worry-free transfer of assets to your beneficiaries, while minimizing taxes and ensuring your estate avoids probate.

Tax Reduction

We will assist you in various areas of tax reduction, including minimizing taxes on your Social Security income, capital gains, interest-earning accounts, and the taxes owed by your beneficiaries upon the inheritance of IRA accounts.

Retirement Planning

Using a variety of methods to plan retirement for pre- and current retirees, we recommend appropriate savings vehicles and tax strategies that are geared toward enjoying a comfortable retirement. We construct a distribution plan that addresses major risk areas, like outliving your money, major health care costs, inflation, stock market decline, and low interest rates.

Insurance Services

We will assess the need for protection in the event of death, injury, poor health, and loss of income or property. Our primary concern is protecting you and your loved ones from financial tragedy in the event of a medical emergency, lawsuit or market event.

Wealth Guard


We are a provider of WealthGuard™, an incredibly simple, yet powerful early-warning system that monitors all of your investment accounts, daily, so you can invest with the confidence that there’s a plan in place to help protect your investments in all market conditions. Providing you with added peace of mind, WealthGuard securely tracks all of your accounts in one place, including asset allocation and overall performance, and immediately alerts you of any changes via email and/or text message. More importantly, WealthGuard will initiate a specific plan of action to help protect your accounts, while keeping you focused on your long-term investment goals.

And since WealthGuard monitors all your accounts automatically, it can watch over your 401(k), self-managed investment accounts, and accounts managed by financial advisors at nearly every firm in the United States.

Want more information about WealthGuard™? Fill in the form below.


From Chris:

I created a bulletproof retirement plan for my mother after my dad passed away. She has lived happily in Florida for 10 years now, with such an active social life that I can barely keep track of her. She has tons of fun in retirement! But you know what she doesn’t have? Money worries. She does pretty much whatever she wants, and her income just keeps rolling in.

I want to accomplish that same financial peace of mind for your retirement.

Talk to me about your retirement needs, and I will craft a customized plan that transforms your assets into income at zero cost to you. If the plan I develop sounds good to you, I’ll do all the work to put it into action. But if you’re not ready to take action, that’s perfectly fine – there’s never any obligation on your part.

Ask me any questions that you have, and I’ll help find the best solutions for your personal needs. You can always come back with more questions the next month, or even three months after that if you wish. That’s why I’m here.

Even if we never do business together, it’s my goal to leave you better educated about your retirement options, just for having met me.