Your current portfolio allocation
Retirement Planning Serving Chicago
Retirement Planning in Chicago
Prepare your investment portfolio for the transition from building wealth to using it throughout retirement.
Work directly with Dragan Mark Filipovic, CFA®, to evaluate your retirement goals, portfolio, investment risk and long-term strategy.
01The Next Stage
Retirement Planning for Chicago Investors
Retirement changes what you need from your investments. While your working years may primarily be focused on accumulating wealth, retirement introduces a different set of questions about how your portfolio should support you in the years ahead.
How much will you need from your portfolio? How much investment risk should you continue taking? How should your portfolio change as retirement approaches? How will taxes affect investment decisions and withdrawals? Perhaps most importantly, is the portfolio you have today actually aligned with the retirement you are preparing for?
Gold Coast Capital Management provides retirement planning for individuals and families in Chicago who want to approach those decisions with a clear investment strategy. Every client works directly with Dragan Mark Filipovic, CFA®, Founder and Chief Investment Officer.
From Building Wealth To Using It Throughout Retirement
02Retirement Readiness
Is Your Portfolio Ready for Retirement?
A portfolio that worked well while you were accumulating assets may not necessarily be structured appropriately when you begin relying on those assets. Before retirement, it can be useful to evaluate:
The amount of investment risk you are taking
Expected retirement spending needs
When portfolio withdrawals may begin
Your investment time horizon
Taxable and tax-advantaged accounts
Social Security considerations
Investment and advisory fees
How market declines could affect your retirement strategy
Retirement planning brings these considerations together so your investments have a clear purpose as you enter the next stage of your financial life.
03Our Process
Our Approach to Retirement Planning in Chicago
01
Understand the Retirement You Are Planning For
Good retirement planning starts with more than choosing a retirement date. We first need to understand what you expect retirement to look like, including your anticipated spending needs, financial objectives, existing assets, expected sources of income and how much flexibility you may have as circumstances change.
Those factors help establish what your investment portfolio may need to support.
02
Review Your Current Investment Portfolio
As retirement approaches, understanding your existing investments becomes increasingly important. We can evaluate areas such as:
Asset allocation
Diversification
Investment risk
Concentrated positions
Investment costs
Advisory fees
Account structure
Relevant tax considerations
Alignment with your retirement objectives
If you already work with another financial advisor, you can request an independent portfolio review without committing to make a change.
03
Align Investment Risk With Retirement
Investment risk can feel different when you are earning a salary than when you begin withdrawing from your portfolio. A significant market decline shortly before or during retirement may have different consequences than the same decline decades earlier, although that does not automatically mean becoming extremely conservative.
Retirees may still need long-term growth to help their portfolios support many years of retirement. The objective is therefore to find a level of investment risk appropriate for your circumstances rather than simply maximizing returns or eliminating volatility.
04
Plan for Portfolio Withdrawals
Retirement often marks the transition from adding money to investment accounts to drawing from them, which makes the relationship between portfolio construction, liquidity and expected withdrawals increasingly important.
Your investment strategy should consider both what you may need in the near term and what needs to remain invested for the years ahead. A retirement portfolio should therefore be constructed with an understanding of how and when the assets may eventually be used.
05
Consider Taxes as Part of the Investment Strategy
Taxes can affect how much of your investment return and retirement income you ultimately keep. Where appropriate, Gold Coast Capital Management considers tax efficiency when managing retirement portfolios, including the relationship between taxable and tax-advantaged investment accounts.
Tax considerations should be incorporated thoughtfully rather than allowed to dictate every investment decision. Gold Coast Capital Management does not provide individualized tax or legal advice, and clients should consult their tax professionals regarding their specific circumstances.
04Before & During Retirement
Retirement Planning Before and During Retirement
Retirement planning does not begin or end on the day you stop working. Your investment needs can continue to evolve before retirement, during the transition and throughout the years that follow.
01
Approaching Retirement
The years leading up to retirement can be an important time to review whether your investment strategy still reflects the financial life ahead.
Questions may include:
Is my current asset allocation appropriate?
Am I taking too much or too little risk?
How might my portfolio support future withdrawals?
Should my investment strategy change before I retire?
What am I paying for investment management?
Does my portfolio still reflect my goals?
02
Recently Retired
Once retirement begins, the portfolio may need to balance current spending requirements with the need to remain invested for the future. That can require ongoing monitoring of withdrawals, investment allocation, risk and changing financial circumstances.
03
Already in Retirement
Retirement plans should continue to evolve as your circumstances change. Changes in spending, markets, taxes, family circumstances or long-term goals can all create reasons to review whether the existing investment strategy remains appropriate.
05Ongoing Management
Retirement Portfolio Management
Retirement planning and portfolio management are closely connected. A retirement plan may establish what your investments need to accomplish, but the portfolio must then be managed in a way that reflects those objectives. Gold Coast Capital Management provides ongoing portfolio management built around factors such as:
Your Time Horizon
Retirement may last decades, making both near-term liquidity and long-term investment growth relevant.
Your Risk Profile
The portfolio should reflect both your willingness and your financial ability to experience investment volatility.
Diversification
A diversified portfolio can help avoid unnecessary dependence on any single investment, company, industry or market.
Ongoing Monitoring
Investment markets change, and personal circumstances change with them, so portfolios should be reviewed and adjusted when appropriate.
Cost Awareness
Investment and advisory fees reduce the amount of capital available to support your retirement, making cost awareness an important part of the portfolio-management process.
Approximately 20 Years
0.50% Annual Advisory Fee
06Direct Relationship
A Retirement Financial Advisor Relationship Built Around You
When planning for retirement, it matters who is actually responsible for your investments. At Gold Coast Capital Management, clients work directly with Dragan Mark Filipovic, CFA®, without a handoff to a junior advisor after the relationship begins or a rotating advisory team.
Dragan brings approximately two decades of experience across investment banking, finance and wealth management and remains personally involved in understanding each client's goals and managing their investment strategy.
Gold Coast Capital Management also charges a transparent 0.50% annual advisory fee and does not rely on proprietary investment products or sales quotas.
07Questions & Answers
Frequently Asked Questions About Retirement Planning
Retirement planning can include evaluating your retirement goals, expected spending needs, investment portfolio, risk tolerance, time horizon, potential withdrawals, Social Security considerations and relevant tax considerations.
At Gold Coast Capital Management, retirement planning is particularly focused on aligning your investment strategy with the retirement you are preparing for.
It is generally useful to begin well before the date you expect to retire. The years leading up to retirement provide an opportunity to review your portfolio, investment risk and long-term strategy before you begin relying more heavily on your accumulated assets.
Even investors who are already retired may benefit from periodically reviewing whether their strategy remains appropriate.
Yes. Gold Coast Capital Management offers a complimentary portfolio review for investors who want another professional perspective on their existing investments.
You do not have to change financial advisors or transfer assets simply to request a review.
Yes. Gold Coast Capital Management works with both retirees and individuals preparing for retirement, although the investment considerations may change depending on where you are in the retirement process.
Schedule a Consultation
Is Your Investment Strategy Ready for Retirement?
Retirement is too important to rely on a portfolio that has never been reviewed in the context of the years ahead. If you are approaching retirement, recently retired or simply want another perspective on your current strategy, start with a complimentary portfolio review.
Speak directly with Dragan Mark Filipovic, CFA® about your investments, retirement objectives and the questions you want answered.
Speak Directly With Your Advisor
(847) 899-7986
info@goldcoastcapm.com
Serving Chicago, IL and clients nationwide.
Gold Coast Capital Management, LLC is a registered investment adviser. Registration does not imply a certain level of skill or training. Advisory services are offered only to clients or prospective clients where Gold Coast Capital Management, LLC and its representatives are properly registered or exempt from registration. Nothing on this website should be construed as personalized investment, tax, or legal advice. Past performance does not guarantee future results.