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Financial Planning for Pre-Retirees and Retirees

You’ve worked hard, saved diligently, and made smart choices. Now you’re standing at the edge of a new chapter, and the questions feel bigger than ever. Don’t worry, you’re not alone.
Our team here at AMG Wealth Management helps people like you make the shift from growing wealth to using it wisely. Whether you’re thinking about retirement soon or already there, we offer a warm, grounded approach to financial planning for pre-retirees and retirees in Florida and beyond.
Explore Our Retirement Services

— Retirement, Thoughtfully Planned

You Deserve Planning That Matches the Life You’ve Built

Generic retirement advice can feel like it’s written for someone else. That’s why we get to know the whole picture, including your lifestyle, your goals, and the family and causes you care about.

With more than three decades of experience as a CPA and Personal Financial Specialist, Tom Gruber leads our work with retirees. He brings not just technical skill, but a calm, reassuring approach to the complexities of retirement. We build tax-aware strategies to help you feel more in control of your income, more confident in your plan, and more focused on enjoying life. Our goal is to help you enjoy a long, fulfilling, and financially stable retirement.

Get to Know Tom Gruber

— Retirement Strategy —

What We Help You Plan For

Retirement often brings unique financial challenges, especially for those with significant savings or appreciated assets. Many of our clients are navigating one-time cash distributions, stock decisions, or retirement account rollovers and want to avoid missteps that could lead to unnecessary taxes.
We guide you through:

Rollover strategies for 401(k) and retirement plans

Mandatory distributions (RMDs) and how to structure them efficiently

Planning around appreciated stock or stock options

Long-term income and asset management strategies for a retirement that may last 30 years or more

You’ve put in the hard work. Now we’ll help you shield it and use it wisely.

— Confidence Through Planning —

How We Help You Feel More in Control

Our financial planning for retirees and pre-retirees is built around real life. We help you:

  • Decide when and how to draw from accounts
  • Understand the tax impact of different strategies
  • Plan for Medicare, Social Security, and healthcare costs
  • Align your savings with the retirement lifestyle you envision
  • Make proactive decisions about legacy and giving
As a CPA, Tom brings deep tax knowledge to the table, so you won’t get passed off to an outside accountant when things get complex. We’ve got you covered from start to finish.
How We Work, Step by Step

— Designed for Retirees

Who We Work With

You don’t need to be ultra-wealthy to get great planning. You just need to value thoughtful advice and want to work with people who truly listen.
Most of our clients:
  • Are in their 50s or 60s
  • Have saved around $1–2 million
  • Are preparing for retirement or just settling into it
  • Want tax-aware guidance they can trust year after year
We’re based in Land O’ Lakes, Florida, and serve clients across the East Coast who want to work with advisors who treat them like family, not just another file.

— Common Retirement Questions —

Frequently Asked Questions
About Retirement

When should I start taking distributions from my retirement accounts?
That depends on your age, tax bracket, and income needs. While required minimum distributions (RMDs) begin at age 73, taking withdrawals earlier in retirement can sometimes reduce your lifetime tax burden. We help you determine what makes the most sense based on your full picture.
A Roth conversion can be a smart move in the right circumstances, but it’s not one-size-fits-all. We evaluate whether converting now could reduce future taxes and how it may impact Medicare, Social Security, and other factors in your plan.
Many retirees receive income from IRAs, pensions, brokerage accounts, and Social Security—all taxed differently. We help you coordinate these sources to stay efficient and avoid triggering unnecessary taxes or Medicare surcharges.
Appreciated assets can come with a hefty tax bill if sold without a plan. We help you think through timing, gifting strategies, and charitable options like donor-advised funds to help reduce your tax impact while supporting your goals.
Not at all. Many of the most effective tax strategies happen during retirement, not before. From Roth conversions and withdrawal sequencing to legacy planning, we help you make informed moves that support a long, thoughtful retirement.

— Let's Connect —

Let’s Start with a Conversation

We start simple: a 15-minute phone call with Tom. No pressure or prep required. Just a chance to talk through what’s on your mind and see if we’re the right fit. If it feels like a good match, we’ll walk you through the next steps. If not, you’ll still walk away with more clarity.
Let’s Talk Retirement Planning