Retirement Planner
in Redwood City, CA
Plan Smarter. Invest Wiser. Retire Stronger.
You’ve worked hard, saved diligently, and built real momentum toward retirement. Now you want to be sure it carries you through.
Redwood Advisory Group works with individuals and families throughout the San Francisco Bay Area, from Silicon Valley up the Peninsula, who want to plan smarter, invest wiser, and retire stronger. As an independent, fee-only fiduciary, every recommendation we make answers to one thing: protecting and growing what you’ve spent a career building. You’ll find our California office at 303 Twin Dolphin Drive in Redwood City, just minutes from the Peninsula communities we serve.
A Fee-Only Fiduciary Financial Advisor in Redwood City
The Bay Area has no shortage of financial advisors. True fee-only fiduciaries are far harder to find.
That difference is everything. We earn no commissions and have no products to sell, so every recommendation we make is built around one thing — your financial future. As an independent, client-focused firm, we’ve spent more than 25 years guiding clients since 2000, through every kind of market, and helped them retire with clarity and confidence.
If retirement is within ten years — or already here — that’s exactly who we built this firm for.
Retirement Planning Built Around You
No two retirements look alike, so no two plans should either.
Maybe you’re a tech professional easing out of a long career in Silicon Valley. Maybe you’re a longtime Bay Area homeowner weighing how to turn years of equity into income, or a retired couple looking to hand less to the IRS and stretch your savings further. Whatever your situation, we help you work through the questions that matter most.
If retirement is on the horizon, you might be asking:
- Am I ready to retire now, or is it worth waiting?
- What should I do with my company stock or equity compensation?
- Is my portfolio built for this stage of life?
- How do I turn decades of saving into steady, reliable income?
If you’re already retired, the questions often shift:
- Which accounts make sense to draw from first?
- How do I bring my tax bill down now?
- When is the right time to claim Social Security?
- How do I keep my income steady when markets fall?
We help you answer every one of them. As your retirement advisor, that work spans retirement planning, cash flow and retirement income, investment management, tax strategies, and legacy planning.
The Redwood Retirement Framework
Retirement can feel like a lot to hold at once — scattered accounts, uncertain taxes, unpredictable markets. The Redwood Retirement Framework trades that uncertainty for a clear plan by giving every dollar a job.
We sort everything you’ve built into three purpose-driven buckets — Spend, Grow, and Secure — so your retirement stays on course and you always know the role each dollar plays.
Spend
What you’ll use now.
The income that covers everyday life and buffers you from market swings: Social Security, pensions, rental income, U.S. Treasuries, money markets, and covered call income. We hold one to three years of expenses here in safe, liquid assets, leaving the rest of your portfolio free to grow uninterrupted.
Grow
What you’ll need next.
Investments meant to replenish your Spend bucket and outpace inflation, including dividend stocks, growth stocks, and high-quality bonds.
Secure
What you’re building for the future.
The long-term foundation underneath it all: broad equity portfolios, growth-oriented ETFs, real estate, and trust-owned assets that safeguard both your lifestyle and your legacy.
When every dollar has a clear role, you spend without worry and invest with purpose.
Turning Decades of Savings into Steady Bay Area Income
One of retirement’s toughest puzzles is converting what you’ve saved into income you can rely on.
We bring all of your income sources together — Social Security, pensions, rental income, and investment withdrawals — into steady, dependable cash flow, so you can enjoy retirement without worrying about outliving your money. In a high-tax state like California, we sequence those withdrawals to keep more of what you’ve earned in your hands rather than the IRS’s. And if you’re still working, we help you build reserves, plan for major purchases, and direct surplus cash toward the retirement you have in mind.
Investment Management Designed for You, Not Wall Street
Investing in retirement is a different job than investing for growth, and your portfolio should reflect the shift.
We design portfolios for you — not Wall Street — shaped around your goals, your timeline, and your comfort with risk, and anchored in high-quality stocks, strategic ETFs, Treasuries, municipal bonds, and money markets, with selective exposure to growth and innovation. Each year we review and rebalance so you stay aligned with both your plan and your tax strategy. And because we’re a fee-only fiduciary, every call we make is for your benefit, never to earn a commission. No pressure, no product pushing.
Protecting the Legacy You’ve Built
You’ve spent decades building something meaningful. We help make sure it reaches the people and causes you care about most.
We help structure your estate to reduce taxes and maximize what reaches your heirs, working hand in hand with your estate attorney and other advisors so the plan reflects your values. And we make sure your partner is left with the clarity and confidence to manage things well, whatever the future brings.
Your First Step Is a Free Retirement Analysis
Our process is made for people who are serious about retirement, and it’s built to give you clarity, structure, and confidence at every step.
We begin by getting to know your goals and concerns. Together we walk through your options and answer the questions that have been keeping you up at night. From there, we use the Redwood Retirement Framework to build a plan that’s genuinely yours — then revisit and refine it over time to keep you on track.
It starts with a free retirement analysis — a no-cost, no-pressure conversation where you get straight answers and see what a structured, fiduciary retirement plan looks like for someone in your position.
You’ll find our California office at 303 Twin Dolphin Drive, 6th Floor, Redwood City, CA 94065. We work with clients across the Peninsula, Silicon Valley, and the greater Bay Area, including San Francisco, San Mateo, Burlingame, Foster City, Belmont, San Carlos, Atherton, Menlo Park, Palo Alto, Mountain View, Sunnyvale, and San Jose.
Prefer to start with a conversation?