Retirement Planner
in Redwood City, CA
Redwood Advisory Group
in Redwood City
If you are within ten years of retirement or already retired and living in the San Francisco Bay Area, Redwood Advisory Group is here to help you plan smarter, invest wiser, and retire stronger. Our California office, located at 303 Twin Dolphin Drive in Redwood City, serves individuals and families across the Peninsula and greater Bay Area who want a clear, confident path into and through retirement.
Fee-Only Fiduciary Wealth Management in the Bay Area
Finding a financial advisor you can trust in the Bay Area is not always easy. Redwood Advisory Group operates as a fee-only fiduciary firm, which means every recommendation we make is designed to serve your financial future, not to earn a commission. We are independent and client-focused, offering the personal attention that larger firms often cannot provide while still giving you access to the tools and expertise you deserve.
With more than 25 years of experience guiding clients through every market cycle since 2000, our team has helped Bay Area professionals and retirees navigate the complexity of turning decades of hard work into a sustainable, fulfilling retirement.
Retirement Planning Services for Bay Area Residents
Whether you are a tech professional winding down your career in Silicon Valley, a longtime Bay Area homeowner figuring out how to convert your equity into income, or someone already in retirement looking to reduce taxes and stretch your assets further, we offer retirement planning services built around your specific goals.
Our services include:
- Retirement Planning
- Cash Flow Analysis and Retirement Income Generation
- Investment Management
- Tax Strategies
- Legacy Planning
We serve clients approaching retirement who are asking: Can I afford to retire soon? What is the best way to handle my company stock or equity compensation? Are my investments positioned correctly for this stage of my life? How do I convert decades of savings into steady, reliable income?
We also serve clients already in retirement who want to know which accounts to tap into first, how to reduce their tax bill, when to claim Social Security, and how to protect their income if markets take a downturn.
The Redwood Retirement Framework: Clarity in Three Buckets
Retirement planning can feel overwhelming, especially in a high-cost region like the Bay Area. At Redwood Advisory Group, we use a structured approach called the Redwood Retirement Framework to bring order to that complexity.
We organize your assets into three purpose-driven buckets:
Spend
Covers the income you need right now, including Social Security, pension income, rental income, U.S. Treasuries, and money markets. This bucket keeps your day-to-day life running smoothly and protects you from short-term market swings.
Grow
Holds the investments designed to replenish your Spend bucket over time and keep you ahead of inflation. This includes dividend stocks, growth stocks, and high-quality bonds.
Secure
Is your long-term foundation, built around broad equity portfolios, growth-oriented ETFs, real estate holdings, and trust-owned assets that protect your legacy.
When every dollar has a clear role, you spend without fear and invest with purpose.
Retirement Income and Tax Strategy Near Redwood City
One of the most overlooked threats to a comfortable retirement is taxes. Bay Area residents are already accustomed to high state taxes, and without a coordinated withdrawal strategy, you can end up paying far more than necessary throughout retirement.
Our wealth management team helps Redwood City and Peninsula clients coordinate income from multiple sources, including pensions, Social Security, required minimum distributions, and investment accounts, to reduce their lifetime tax burden. We use strategies like asset location, tax-loss harvesting, Roth conversions, and direct indexing to keep more money where it belongs: in your hands.
For clients still working, we help establish emergency reserves, plan for major purchases, and put surplus cash to work. Advanced income tools like covered call investing can boost cash flow without taking on unnecessary risk, freeing up your long-term assets to grow.
Investment Management Built Around Your Life in the Bay Area
Investing in retirement looks very different from investing during your working years. At our Redwood City office, we design portfolios around your goals, timeline, and comfort with risk. We focus on high-quality stocks, strategic ETFs, Treasuries, municipal bonds, and money markets, with selective positions in growth and innovation.
Every portfolio is reviewed and rebalanced annually to stay aligned with your retirement plan and tax strategy. And because we operate as a fee-only fiduciary advisor, you never have to wonder whether a recommendation is in your best interest or ours.
Legacy Planning for Bay Area Families
Many of our Bay Area clients have worked hard to accumulate meaningful wealth, and they want to make sure it goes to the right people and causes. We help you pass assets to loved ones in a way that minimizes taxes and maximizes what they receive. We also work alongside your estate attorney and other advisors to align your legacy plan with the values that matter most to you.
Whether your goal is to leave a financial inheritance, support a charitable cause, or simply ensure your partner can manage finances confidently if something happens to you, our team helps make that plan clear and actionable.
How to Get Started with a Retirement Planner Near Redwood City
Our process is straightforward. We start by understanding your top goals and current concerns, then work through your options and address your key questions together. From there, we use the Redwood Retirement Framework to build your personalized plan and continue refining it over time to keep you on track.
The first step is a free retirement analysis. This is your opportunity to get answers to the questions you have been sitting on and to see what a structured, fiduciary retirement plan actually looks like for someone in your situation.
Our California office is located at 303 Twin Dolphin Drive, 6th Floor, Redwood City, CA 94065. We work with clients throughout the Bay Area, including San Francisco, San Jose, Palo Alto, Menlo Park, Burlingame, and beyond.
Reach out today to schedule your complimentary retirement analysis and take the first step toward a retirement you can feel confident about.