The pieces are there. The plan usually isn't.

Most people nearing retirement have the pieces. A 401(k) or IRA. Maybe a brokerage account. An old life insurance policy. A general sense of when they want to stop working. What they usually don't have is a plan that coordinates those pieces against the four risks that actually derail retirements: market volatility, taxes, inflation, and the unexpected.

That coordination is what we do.

Why this matters now

Small misalignments compound into real money

The years just before and just after retirement are when financial mistakes get expensive. A market drop in the wrong year, a tax bill nobody planned for, an old insurance policy quietly underperforming, a withdrawal strategy that looked fine on paper. Most of these are preventable with planning that treats investments, taxes, and insurance as one system instead of three separate conversations.

What we focus on

Four areas, working as one system

Retirement income designed to last

A spending plan built around how you actually want to live, with sequencing intended to protect against bad market years early in retirement.

Tax-aware withdrawals

Coordinating Roth conversions, Social Security timing, and account drawdown order so the IRS isn't quietly your largest beneficiary.

Investment strategy that respects the math

Drawing on nearly three decades of risk management on Wall Street to build portfolios that account for volatility, not just average returns. Including, where appropriate, structured notes with a defined loss profile.

Insurance as a planning tool, not a product sale

Reviewing existing permanent life policies (most need it), evaluating long-term care coverage, and integrating estate planning with the rest of the picture.

Why us

Wall Street risk management, applied to retirement

Ira Koyner spent nearly three decades on Wall Street trading and managing risk in foreign currency options at major global banks. Wharton MBA. Founder of Triathlon Partners LLC, a registered investment adviser based in Weston, Connecticut. Author of the Financial Fortress series.

The reason that background matters: most retirement plans are built using long-term averages. Markets don't deliver averages. They deliver sequences — and the sequence matters more than the average when you're drawing income from a portfolio.