Our Services
Your Retirement Deserves More Than a One-Size-Fits All Solution
WealthGuard
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.
Tax Reduction Strategies
For retirees and those approaching retirement, minimizing taxes is a critical part of preserving income and wealth. We work hand-in-hand with you and your tax professional to implement forward-thinking tax strategies designed to reduce your overall burden. Whether it’s taxes on Social Security benefits, capital gains, interest-earning accounts, or inherited IRA distributions, we help identify smart ways to lower what you owe.
We also offer access to financial products—such as tax-advantaged annuities and life insurance—that can play a role in long-term tax reduction. Our goal is to help you keep more of your hard-earned money, create a more tax-efficient retirement income stream, and maximize the legacy you leave behind.
Request a complimentary tax reduction strategy session and learn how to take control of taxes in retirement.
Comprehensive Retirement Planning
Retirement planning is about more than just saving—it's about creating a strategy that turns your savings into a lasting income. Whether you're already retired or just starting to plan, we help you design a retirement roadmap tailored to your lifestyle goals and financial needs.
We consider every key factor:
- Creating reliable income streams
- Avoiding the risk of outliving your money
- Managing inflation and rising healthcare costs
- Minimizing market volatility and sequence risk
- Navigating low-interest rate environments
From IRA rollovers to guaranteed income strategies, we help you choose the right retirement vehicles and tax-smart solutions to protect your future.
Schedule your complimentary retirement planning consultation and let’s build a plan that works for your life.
Insurance & Risk Protection Services
Retirement brings new risks, and protecting against them is essential. Our insurance solutions are designed to help retirees and pre-retirees guard against life’s most unexpected events. From life insurance and long-term care coverage to income protection and liability coverage, we help you identify gaps and create a financial safety net.
Whether you’re planning for extended healthcare needs or preparing to leave a legacy, our goal is to protect you and your loved ones from financial hardship due to illness, injury, death, or legal action.
Contact us for a complimentary insurance review and make sure your coverage aligns with your retirement goals.
IRA Planning & Rollover Strategies
Your retirement accounts—whether IRAs, 401(k)s, 403(b)s, or 457 plans—are some of your most important assets. But without careful planning, you could face steep penalties and unnecessary taxes. We help retirees and pre-retirees understand the rules around IRA distributions, Required Minimum Distributions (RMDs), Roth conversions, and more.
We’ll work to preserve the value of your accounts, extend their tax efficiency, and ensure your beneficiaries are positioned to inherit wisely.
Book your complimentary IRA planning session to avoid costly mistakes and protect your legacy
Estate Planning
Estate planning is more than just drafting a will—it’s about ensuring your wishes are carried out, your assets are protected, and your loved ones are cared for. We partner with you and your estate attorney to help establish wills, trusts, and other legal tools that support a smooth transfer of wealth, reduce taxes, and avoid probate.
Whether your goal is privacy, control, charitable giving, or tax efficiency, we help you design a legacy plan that aligns with your life’s work.
Schedule a complimentary estate planning review and start building the legacy your family deserves.
Complimentary Retirement Resources
Income Gap Finder
Are you on track to fund your retirement lifestyle?
The Income Gap Finder is a simple yet powerful tool that helps you identify the difference between what you expect to receive in retirement income and what you may need to live comfortably.
Use this guide to:
- Spot potential shortfalls before they become a problem
- Evaluate income sources like Social Security, pensions, and investments
- Start building a plan to close the gap with confidence
Download now to see where you stand — and how to create income that lasts.
Retirement Preparation Checklist
Start your journey toward a more secure financial future.
This practical checklist is designed to help you gather the key documents and information you’ll need to create a confident retirement plan, with the help of a trusted financial professional.
As you shift from building your savings to using those assets for income, it’s essential to develop a clear strategy that covers both your everyday needs and discretionary spending. This checklist will guide you through preparing for important conversations about:
- Your current retirement savings and income sources
- What you’ll need to cover both basic and lifestyle expenses
- Your comfort level with investment risk
- Any personal or family challenges, as well as legacy goals
Download your Retirement Preparation Checklist today and take the first step in planning the retirement you deserve.
A note from chris
My mission is to help you work toward a comfortable and secure retirement.
Reach out to me with your retirement goals and concerns, and I’ll create a personalized plan tailored just for you, completely free of charge. If you like the plan, I’ll take care of everything needed to bring it to life. But if you’re not ready to move forward, that’s absolutely okay. There’s never any pressure or obligation.
Feel free to ask any questions you have along the way. I’m here to help you explore the best options for your unique situation. Whether you want to reconnect next month or even a few months down the road, I’m always available to support you.
Even if we never work together, my goal is to ensure you leave our conversation feeling more confident and informed about your retirement choices.
Submit your questions below if you would like a complimentary consultation.
1020 Plain St. Suite 290, Marshfield, MA 02050 | (508) 659-5849 | chris@caperwa.com
This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Cape Retirement Wealth Advisors and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.
Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors.
WealthGuard™ is a complete portfolio monitoring system. Designed by determining the amount of downside risk a client is willing to tolerate, WealthGuard™ is added to client accounts to help protect from downside risk. WealthGuard™ is not a stop loss strategy. When the account value in the portfolio hits the targeted downside value, an alert is sent to the client, advisor, and money manager. the money manager trades the account as indicated on the WealthGuard™ agreement. There is no guarantee the exact WealthGuard™ value will be captured, or assets will be traded or liquidated the same day the WealthGuard™ value is reached due to time of day and/or market restrictions. WealthGuard™ is not responsible for any tax implications that may result due to the liquidation or trading of the holdings. FormulaFolio Investments is not responsible for any errors or omissions in the information used to prepare your WealthGuard™ percentages. WealthGuard™ does not make any representations or warranties, whether expressed or implied, regarding investing in securities or investment products. WealthGuard™ makes no warranties to the legality or suitability of any investment product.