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

We can help you plan with the goal of creating an income plan you can't outlive; and find strategies that reduce risk.

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.

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 of Retirement Wealth Advisors.

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

We provide a holistic approach to serving our clients, and the variety of services offered demonstrates our commitment to serving our clients' best interest as our fiduciary duty.

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 orderly transfer of assets to your beneficiaries, while minimizing taxes and ensuring your estate avoids probate.

Tax Reduction

We will work with you and your tax professional on strategies to reduce taxes on Social Security income, capital gains, interest-earning accounts, and inherited IRA accounts for beneficiaries. We also offer products that may reduce your tax burden.

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:

My goal is to help clients strive toward a comfortable retirement.

Talk to me about your retirement needs, and I will craft a customized plan 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.