Retirement is too important to leave to chance.
We help people approaching or enjoying retirement coordinate income, investments, taxes, Social Security and legacy decisions into one clear financial strategy.
You spent decades building your savings. Now you need a plan for using it.
Retirement decisions rarely happen in isolation. We help you understand how the pieces work together.
Can I retire when I want to?
Understand whether your income, savings and spending can support your target retirement date.
Explore this question →How much can I spend?
Build a sustainable income strategy designed around your lifestyle and changing needs.
Explore this question →When should I claim?
Evaluate timing, spousal benefits and how your claiming decision fits the rest of your plan.
Explore this question →How should my portfolio change?
Align your investments with retirement income needs, risk tolerance and long-term goals.
Explore this question →Could I reduce lifetime taxes?
Coordinate withdrawals, Roth conversion opportunities, RMDs and charitable strategies.
Explore this question →What happens to what remains?
Coordinate beneficiary, estate and legacy considerations with the rest of your financial plan.
Explore this question →The Impact Retirement Plan™
Six connected decisions working toward one retirement strategy. Rather than treating income, investments, taxes and legacy planning as separate services, we coordinate them through an ongoing process built around your life.
Is Impact Financial Planning right for you?
We work best with people who want an ongoing planning relationship—not just isolated investment recommendations.
Planning should make complex decisions easier to understand.
Brian Marois is the founder of Impact Financial Planning and focuses on helping clients coordinate financial planning and investment management as they prepare for important life transitions.
Brian also hosts The Market Interest, a video series focused on investment markets and personal financial wellness.
→ Meet the Impact Financial Planning TeamA clear process from first conversation to ongoing advice.
Discover
We learn about your finances, family, concerns and vision for retirement.
Analyze
We evaluate income, investments, taxes, Social Security and key risks.
Build
We create a coordinated retirement strategy designed around your goals.
Implement
We help put the recommendations and investment strategy into action.
Monitor
We adjust as markets, tax rules and your life evolve.
Meet “John & Susan,” age 62.
They want to retire with confidence, but several important decisions must work together. Their example illustrates how income, taxes, Social Security, investments and risk can be evaluated as parts of one coordinated plan.
Starting point
They’ve saved diligently and want to retire, but they’re unsure how taxes, Social Security and withdrawals fit together.
Questions their plan should address
- Can they retire now while maintaining an adequate long-term margin?
- Which accounts should fund spending before Social Security begins?
- Could partial Roth conversions before RMDs be worth evaluating?
- How much portfolio risk is appropriate once withdrawals begin?
- Could a market decline early in retirement alter the strategy?
How coordinated is your retirement plan?
Answer eight short questions covering retirement income, Social Security, investments, taxes, healthcare and legacy planning.
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Get a personalized retirement-readiness snapshot.
What to know before starting a conversation.
What happens in the first consultation?
We discuss what prompted you to reach out, your major retirement concerns and what you want your money to support. The goal is to determine whether working together appears to be a good fit.
Do you only work with retirees?
Our work is centered on people approaching retirement and those already retired. We may also help individuals and families facing major financial transitions when comprehensive planning and ongoing advice are a good fit.
Do you provide investment management?
Yes. Investment management is coordinated with your retirement income needs, time horizon, risk tolerance, tax considerations and broader financial plan.
Are you a fiduciary?
Yes. When providing investment advisory services, Brian acts as a fiduciary and is required to put clients’ interests first. We believe that responsibility should be reflected in transparent communication, clearly explained recommendations and an open discussion of fees, risks and tradeoffs.
Do you provide tax advice?
Tax-efficient planning can be incorporated into financial planning. Specific tax preparation or legal advice should be coordinated with the appropriate tax or legal professional.
Where do you work with clients?
Impact Financial Planning serves individuals and families in Connecticut and Florida, with an office in South Windsor, Connecticut.
You’ve spent decades building your retirement savings. Let’s build a plan for what comes next.
Schedule a complimentary consultation to discuss your goals and learn how the Impact Retirement Plan can coordinate the decisions ahead.