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Current Needs
Maintaining appropriate liquidity for spending and near-term financial requirements.
Wealth Management for Retirees & Pre-Retirees
Financial Advisor for Retirees & Pre-Retirees in Chicago
Retirement changes the role your investments need to play. Gold Coast Capital Management helps Chicago retirees and those approaching retirement align their portfolios with the years ahead through personalized investment planning, portfolio management and direct guidance from Dragan Mark Filipovic, CFA®.
01The Transition
Wealth Management for the Transition Into Retirement
You may spend decades building your investment portfolio, but eventually the question changes from how much you can accumulate to how those assets should support you throughout retirement.
That transition can make investment decisions more consequential because your time horizon changes, portfolio withdrawals become more relevant, and market declines may feel different when employment income is no longer replenishing your investments. Taxes, liquidity and investment costs can also take on greater importance.
Gold Coast Capital Management works with retirees and pre-retirees throughout Chicago who want a thoughtful investment strategy for this transition. Every client works directly with Dragan Mark Filipovic, CFA®, Founder and Chief Investment Officer.
From Accumulation To Supporting the Years Ahead
02Before Retirement
Approaching Retirement?
The years immediately before retirement can be an important time to take a fresh look at your investments. You may have spent much of your career focused on saving through retirement plans, brokerage accounts and other investments, but as retirement approaches, different questions begin to matter. You may be asking:
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Is my portfolio positioned appropriately for retirement?
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Am I taking more risk than I should?
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How much liquidity will I need?
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When might I begin withdrawing from investments?
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Are my accounts working together as one strategy?
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How could a major market decline affect my plans?
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What am I paying for investment management?
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Should my investment strategy change before I retire?
These are not questions that should automatically be answered with a generic age-based portfolio. Your investment strategy should reflect your assets, expected needs, risk tolerance, time horizon and retirement objectives.
Explore Retirement Planning03During Retirement
Already Retired?
Retirement does not mean investment planning stops. In many cases, it becomes more important because your portfolio may need to support current spending while remaining invested for a retirement that could last many years. That creates a balancing act between several considerations:
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Long-Term Growth
Keeping enough of the portfolio invested to support objectives that may extend decades into the future.
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Investment Risk
Taking an appropriate level of risk without exposing essential retirement assets to unnecessary volatility.
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Taxes
Considering relevant tax implications when managing taxable and tax-advantaged investment accounts.
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Portfolio Costs
Understanding the investment and advisory fees that reduce the amount of wealth remaining available to you.
Gold Coast Capital Management provides ongoing portfolio management designed around these considerations.
04How We Help
How We Help Retirees & Pre-Retirees
Retirement Investment Planning
We help establish what your investments need to accomplish during retirement and develop an investment strategy around those objectives. That includes considering your time horizon, risk tolerance, liquidity needs, existing investments and other relevant financial circumstances.
Portfolio Management
Once the investment strategy is established, the portfolio needs ongoing management. We construct, monitor and manage investment portfolios with an emphasis on diversification, risk, cost awareness and long-term discipline.
Retirement Planning
We help connect your investment strategy with the transition into retirement, including considerations around future spending needs, investment risk, portfolio withdrawals, Social Security and relevant tax factors.
Tax-Aware Investing
For retirees with taxable investments, taxes can affect how much of an investment return ultimately remains available. We consider relevant tax implications as part of portfolio management when appropriate.
Gold Coast Capital Management does not provide individualized tax or legal advice. Clients should consult qualified tax and legal professionals regarding their specific circumstances.
05Portfolio Review
Have You Had Your Retirement Portfolio Reviewed?
One of the most useful steps before or during retirement may simply be getting another professional perspective on your existing investments. Many investors reach retirement with portfolios assembled over decades and may own:
The individual investments may each seem reasonable while the portfolio as a whole has never been evaluated within the context of retirement.
A portfolio review can help answer an important question: Does my current investment strategy still make sense for the stage of life I am entering?
Gold Coast Capital Management offers a complimentary portfolio review for Chicago retirees and pre-retirees, with no obligation to change financial advisors or transfer assets simply because you request another perspective.
Your Portfolio May Include
Former employer retirement accounts
IRAs
Taxable brokerage accounts
Individual stocks
Mutual funds or ETFs
Concentrated positions
Investments held across multiple institutions
06Evaluating Your Advisor
Changing Financial Advisors Near Retirement?
Approaching retirement can also cause investors to reconsider their existing advisory relationship. You may have worked with the same financial institution for years, your portfolio may have grown significantly, or you may simply want to understand whether the level of advice, service and investment management you are receiving still matches what you need. Before choosing a financial advisor for retirement, consider asking:
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Who will actually manage my investments?
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Will I work directly with that person?
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Is the advisor acting as a fiduciary?
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How much am I paying?
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Are there proprietary products or sales incentives?
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How is investment risk being evaluated?
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Where will my assets be held?
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Does my portfolio reflect my retirement objectives?
You do not need to make a change simply because you ask these questions, but retirement can be an appropriate time to make sure you understand the answers.
07The Gold Coast Relationship
Why Retirees Work With Gold Coast Capital Management in Chicago
Direct Access to Dragan Mark Filipovic, CFA®
Every client works directly with Dragan rather than being assigned to a junior advisor or rotating service team. As your circumstances evolve during retirement, you continue working with the person who understands the strategy behind your portfolio.
Independent Fiduciary Advice
Gold Coast Capital Management provides investment advice within a fiduciary relationship without proprietary investment products or sales quotas.
Transparent 0.50% Advisory Fee
Gold Coast Capital Management charges a straightforward 0.50% annual advisory fee. For a $1 million portfolio, that represents $5,000 annually.
Because retirement can extend for decades, understanding the ongoing cost of financial advice is an important part of evaluating an advisory relationship.
Independent Charles Schwab Custody
Client assets remain independently custodied at Charles Schwab and held in the client's name, while Gold Coast Capital Management manages the portfolio without taking custody of client assets.
08Questions & Answers
Frequently Asked Questions
There is no single required point at which to review your retirement strategy, but the years leading up to retirement can provide an important opportunity to evaluate your investments before portfolio withdrawals become more significant.
A review can help determine whether your current allocation, investment risk and broader strategy remain appropriate for the retirement ahead.
Retirees may want to consider the advisor's experience, investment philosophy, fiduciary relationship, fees, level of direct access, approach to portfolio risk and where client assets are custodied.
The right relationship should also reflect your individual circumstances rather than relying solely on a generic retirement model.
Yes. Gold Coast Capital Management offers complimentary portfolio reviews for investors who want an independent second opinion, with no obligation to change advisors or transfer investments simply to request a review.
Yes. Gold Coast Capital Management works with both pre-retirees and individuals who are already in retirement.
Yes. Gold Coast Capital Management serves retirees and pre-retirees throughout Chicago as well as clients nationwide where the firm is properly registered or exempt from registration.
Schedule a Consultation
Get a Second Perspective Before or During Retirement
You have spent years building your investment portfolio, and before relying on it for the years ahead, it is important to understand how it is positioned, what risks you are taking and whether the strategy still reflects your retirement objectives.
Start with a complimentary portfolio review with Dragan Mark Filipovic, CFA®.
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.