Retirement Planning and Wealth Management

Retirement planning is essential at every age. Whether you are a few decades away from retirement or about to retire, the Darrow team of financial advisors include a CERTIFIED FINANCIAL PLANNER™ professional, Chartered Financial Analyst, JD, and LLM in Tax. We’re here to help provide the guidance you need to be retirement-ready.

Private Wealth Management Services integrates retirement planning with asset management and ongoing support from a financial advisor. As your financial quarterback, we aim to ensure you have the freedom to enjoy your success and a plan to weather different market conditions.

Retirement Planning

Retirement Planning Wealth Advisors

  • Ongoing asset management from an independent, fee-only registered investment advisor and fiduciary
  • Retirement income stream
  • Payout options for a pension or other deferred compensation
  • Ways to save for retirement after maxing out a 401(k)
  • Roth IRA conversion analysis
  • What-if analysis (e.g. early retirement, second home purchase)
  • Tax-efficient withdrawal strategies
  • Social Security timing
  • Medicare and long-term care insurance considerations

Planning for retirement isn’t just about finances. Our team of retirement wealth advisors will take a consultative approach to help walk you through the various other considerations that may arise before or during retirement.

Get Started

Is 55 too early to retire?

How secure is your retirement plan?

By stress testing a retirement plan with a Monte Carlo analysis, investors can feel more confident their portfolio can withstand a variety of different market conditions without jeopardizing their financial goals. Depending on the complexity of your situation, a full financial plan may be advisable.

Basic compounding calculators (e.g. 6% annual return for 30 years) omit a key part of the retirement planning equation: markets go up and down. A Monte Carlo analysis takes market volatility and cash flows into account to get closer to determining a safe, risk-adjusted withdrawal rate.


As a fee-only financial advisor, we do not sell securities, investment products, or receive commissions or compensation from 3rd parties.

A Financial Fiduciary Always Acts in Your Best Interest

As a financial fiduciary, we are legally bound to act at all times for the sole benefit and interest of our clients. This is the highest act of loyalty, trust and care under the law.


We are also completely independent, so you don’t have to worry about fund family allegiances or other corporate actions that could distance us from our clients.

Retirement Planning and Wealth Management

Investment Management and Financial Planning - Darrow Wealth Management

Fiduciary Investment Advisor Wealth Manager Boston401(k) PlansDiversificationEmployee benefitsFinancial PlanningForbesRetirement PlanningTax planningUpdated for 2021

Net Unrealized Appreciation Rules for Company Stock in a 401(k)

If you have company stock in your 401(k), you may want to consider whether to take advantage of net unrealized appreciation at retirement. Under the net unrealized appreciation rules, employees can roll over the portion of their 401(k) invested in company stock to a brokerage account and pay tax at…
September 13, 2021