Transitioning to Retirement

Secure Your Financial Future, Elevate Your Lifestyle

Whether you’re ten years away, newly retired, or already enjoying your retirement, we understand that this is one of life’s biggest transitions – and one you shouldn’t have to navigate alone.

Retirement Expertise with Purpose

At Twelve Points Wealth Management, we specialize in leading our clients through the transformative and exciting journey into and through retirement.

We offer more than financial strategies. We will challenge you to explore your passions and uncover opportunities to bring purpose into your retirement years. We integrate your values, vision, and lifestyle goals with sound financial planning so you can feel secure, fulfilled, and confident.

Visit our Retirement Lifestyle page to access tools, insights, and resources to help you begin your journey to intentionally design your lifestyle.

Financial Security in Retirement

At Twelve Points, we can help you answer the essential questions that shape your future:

When can I retire?
How much can I safely spend each year?
Can I afford that dream vacation home or trip and to help my kids financially?
How do I make sure I never run out of money — or become a burden on my family?
How do I protect my money if I need long-term care?
Can I leave a legacy to provide lasting support to benefit my favorite charitable organization?

Twelve Points offers a highly personalized planning approach tailored to your goals, lifestyle, and income needs. Our Wealth Advisors will help you:

Make informed decisions about Social Security, pensions, and retirement account withdrawals
Protect your retirement income from market downturns and rising healthcare costs
Identify opportunities to reduce taxes through smart distribution planning and Medicare strategies
Understand your Retirement Income Style Awareness (RISA®) — a key to choosing the right income and investment approach
Build a financial plan that gives you the confidence to make financial decisions and the freedom to experience a meaningful life in retirement

Why Clients Trust Twelve Points

By working with us, you will:

Be challenged to see what’s possible in your retirement
Define your values and purpose beyond your career
Feel confident with your financial decisions
Build a cohesive, adaptable plan for your finances and lifestyle in retirement

Upcoming Webinars

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Your Life, Your Wealth: A Decade by Decade Financial Roadmap for Women

January 2026

1/29 @ 12:00 PM EST

Related Insights

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Planning for Bear Markets in Retirement

One of the key risks that retirees must plan for is the impact that a bear market just before they retire or early in their retirement can have on their retirement.

Tax Smart Retirement Withdrawals

The order in which you withdraw money from your investment accounts in retirement can make a big difference – not just in how much income tax you pay during retirement, but also in what your heirs may owe later.

Wealth Advisor

With over 25 years in the financial services industry, Barbara works every day to help her clients achieve financial security and transition to an active and fulfilling retirement.

At Twelve Points, Barbara follows her passion to understand and help people achieve their retirement passions and financial goals. Barbara draws from her diverse background in financial services, life experiences and training to create a holistic financial planning experience for our clients and results in a smooth transition into retirement and achievement of their dreams.

Please see important disclosure information.

Talk To An Expert

To discuss how we can help you transition your wealth and intentionally design your lifestyle in retirement, please provide your contact information, and we will respond within 24 hours.