" At Cartier Wealth, integration is not an add on, it’s the foundation. The process is seamless and the result is clarity beyond investments but a plan aligned to every dimension of your life. "
The Result
Like a Cartier timepiece, your plan is both elegant and enduring always making sure your money works for your goals. What you experience is simplicity and clarity. What’s happening beneath the surface is craftsmanship, coordination, and care ensuring that every part of your financial life moves in harmony.
At the end of the day, our approach isn’t just about money. It’s about confidence. It’s about giving you the freedom to live fully, knowing that every gear is aligned for the long arc of your retirement.
1- Discovery
2 - Strategic Development
3 - Optimization
4 - Implementation
5 - Lifelong Partnership
We lay everything on the table, your income, expenses, investments, debts, insurances, estate documents and we study it as if it were a map of your life. We’re not looking for quick fixes; we’re looking for clarity.
We test scenarios. Retiring at 62 vs. 65. Claiming Social Security early vs. delayed. Paying off debt vs. investing. We don’t just crunch numbers, we show you visually how each choice plays out in real time.
We fine-tune. Tax-smart withdrawals, Roth conversions, healthcare planning, protection strategies, all calibrated to your unique temperament and goals.
We turn the plan into action steps. You’ll know exactly what to do in the next 30, 90, and 365 days.
Because life is full of critical financial events. The loss of a spouse, a business sale, inheritance, or even the joy of welcoming a grandchild - we continue walking beside you adjusting the plan as your story unfolds.
An Integrated Plan, Crafted Like a Timepiece
On the surface, true retirement confidence feels simple: peace of mind, clarity, freedom to live the life you’ve envisioned. But beneath that simplicity lies a world of moving parts: Social Security, pensions, taxes, investments, healthcare, estate planning, all of which must work in harmony.
Most advisors will show you one gear at a time: an investment strategy, a tax move, an insurance product. But when those parts aren’t connected, the clock doesn’t keep time and you don’t get the direction you need. At Cartier Wealth, we don’t start with numbers; we start with you: your story, your values, your hopes for the years ahead. Then we carefully align each piece of your financial life into a plan that is precise, resilient, and uniquely yours.
The Cartier Wealth Approach
Retirement is complex. We make it simple. Our approach ensures that every piece of your financial life: investments, taxes, healthcare, income, and estate is planned in harmony supporting you to make smarter decisions with your money.
1 - Discovery
In the discovery stage, we get everything on the table, your income, expenses, investments, debts, insurances, annuities, estate documents, and we study it as if It were a map of your life. We're not looking for quick fixes. We're looking for clarity.
2 - Strategic
Development
We test scenarios. Retiring at 62 vs. 65? Claiming Social Security early vs. delayed? Paying off debt vs. investing? Planning how much vacation is smart? Buying a second home? We don’t just crunch numbers, we show you visually how each choice plays out in real time.
3 - Optimization
This is where the fine tuning is done. Tax-smart withdrawals, Roth conversions, healthcare planning, protection strategies, all calibrated to your unique goals. Making sure it fits your retirement income style.
4 - Implementation
We turn the plan into action steps. You’ll know exactly what to do in the next 30, 90, and 365 days.
5 - Lifelong
Partnership
Because life is full of critical financial events. The loss of a spouse, a business sale, inheritance, or even the joy of welcoming a grandchild - we continue walking beside you adjusting the plan as your story unfolds.
Our Process
We listen deeply to your goals, values, and legacy vision.
Every detail is tested for tax efficiency, income durability, and long-term protection.
Your plan is crafted as a seamless whole, not a collection of parts.
Life changes; your plan evolves with it, so you're never left uncertain.
01 - Precision Analysis
02 - Integrated Design
03 - Ongoing Coordination
04 - Discovery & Clarity
1 - Discovery
Discovery: We lay everything on the table, your income, expenses, investments, debts, insurances, estate documents and we study it as if it were a map of your life. We’re not looking for quick fixes; we’re looking for clarity.
4 - Implementation
We turn the plan into action steps. You’ll know exactly what to do in the next 30, 90, and 365 days.
2 - Strategy Development
We test scenarios. Retiring at 62 vs. 65. Claiming Social Security early vs. delayed. Paying off debt vs. investing. We don’t just crunch numbers, we show you visually how each choice plays out in real time.
5 - Lifelong Partnership
Because life is full of critical financial events. The loss of a spouse, a business sale, inheritance, or even the joy of welcoming a grandchild - we continue walking beside you adjusting the plan as your story unfolds.
3 - Optimization
We fine-tune. Tax-smart withdrawals, Roth conversions, healthcare planning, protection strategies, all calibrated to your unique temperament and goals.