The Pathways to Retirement

A CPA’s guide to building your unique retirement of purpose & financial wellness

Richard Heckard, CPA

“As CPAs, our job is to Educate, Equip, & Empower those who want to make the most of their financial life.”

The Financial Planning Areas
The Pathway Model

  • Financial Planning

    After several years of steady growth since the Great Financial Crisis, the Covid-19 pandemic and subsequent monetary and fiscal policy has shifted the financial landscape. It’s more important than ever to be proactive and be intentional with financial planning decisions.

  • Tax Planning

    Congress recently passed legislation which included nearly $80 billion dollars to the IRS, with reports of up to 87,00 new enforcement and audit agents. It’s more important than ever to ensure your taxes are in order. Major components of tax legislation are sunsetting soon, which potentially mean higher effective tax rates, higher likelihood of estate taxes, and a greater need for proactive tax planning.

  • Retirement Income

    Retirees and those close to retirement are seeing a changing economic world. People are also worried if they can depend on Social Security in the coming years. Constructing a retirement income plan that can last for a 30+ year retirement is vital.

  • Estate Management

    Since the Covid-19 pandemic began, we have seen a greater prevalence in estate planning issues. With the impacts of probate, decisions related to trusts, estate tax complications, and difficult end of life and long term care decisions, it’s imperative to build an estate management plan that is guided by your unique situation and wishes.

Steven K. Howell, CPA, CFP

“Studies continually show that the 5 years before retirement and the first 5 years of retirement are the most critical 10 year window in your entire financial life. The Pathways to Retirement is built to help you make retirement plans that are durable and sustainable.”

Pathways to Retirement is both a course and our holistic financial planning process.

We hold in-person, virtual, and private courses throughout the year.
To learn more about Pathways to Retirement, you can explore our website, or email us with the link below.
If you’re interested in working with us, follow this link to learn about our First Conversations.