Triathlon Partners — Retirement Planning, Coordinated.
For people approaching retirement who want their investments, taxes, insurance, and spending plan working together — not pulling against each other.
Financial planning built to go the distance.
The pieces are usually there. The plan usually isn't. Triathlon Partners coordinates investments, taxes, insurance, and income into one plan, for people approaching retirement and for business owners turning what they've built into lasting personal wealth.
Most people build wealth in pieces. A 401(k) or IRA. A brokerage account. An old life insurance policy. For business owners, the company itself is the largest and least liquid piece of all, and getting value out of it efficiently is its own discipline. What is usually missing is a plan that coordinates those pieces against the risks that actually derail things: market volatility, taxes, inflation, and the events no one schedules.
That coordination is what we do.
Who We Work With
Two situations. One approach.
Approaching or in retirement
Make the plan hold up.
The years just before and after retirement are when mistakes get expensive: a market drop in the wrong year, a tax bill nobody planned for, a withdrawal order that looked fine on paper. We coordinate income, taxes, and insurance so the plan survives the conditions it was built for.
How we plan for retirement →Business owners
Maximize what you keep.
The business that built your wealth is also its single largest risk. We coordinate entity structure, benefits, buy-sell, and exit to move value off the business balance sheet and maximize your personal wealth, working alongside your CPA and attorney.
Planning for business owners →The Through-Line
Coordination over fragmentation.
One system, not four conversations. Investments, taxes, insurance, and estate are decided together, not by separate specialists who never compare notes.
Planned for the years that actually happen. Real markets don't deliver a smooth average, and a plan has to hold up in the years that go badly, not just on paper.
Someone owns the process. The CPA, the attorney, the financial advisor, and the insurance agent each work in their own lane. We own the process across all of them.
Why Us
Wall Street risk management, applied to your plan.
Ira Koyner spent nearly three decades trading and managing risk in foreign currency options at major global banks. He holds a B.S. in Economics from the Wharton School, is the founder of Triathlon Partners LLC, a registered investment adviser based in Weston, Connecticut, and is the author of the Financial Fortress series.
That background matters because hope was never an acceptable strategy on a trading floor. It is not one in planning either. Structure is.
More about Ira & the firmThe Financial Fortress Series
The method, written down.
Retirement Edition
Coordinating investments, taxes, inflation, and the unexpected into a retirement plan that holds.
Read Chapter 1 free →
For Business Owners
Extracting personal wealth from the business efficiently: entity structure, benefits, protection, and exit, coordinated as one plan.
Read Chapter 1 free →
Does anyone see the whole picture, and is anyone accountable for how the pieces interact?
Schedule a Conversation