Don’t work longer than you have to.
A lot of people have never sat down with someone to see if they can actually retire. I help families in Summerville and across the Charleston area figure out when they can retire, and how to turn what they’ve saved into income they can live on.
Life is too short to have retirement anxiety.
These are the four worries that come up most when people sit down in my office. If one of them is keeping you up at night, you’re not alone. Every one of them can be planned for.
Will I outlive my money?
We figure out what you need each month, then build an income plan from your savings, Social Security and any pension that’s designed to last as long as you do.
Can I keep living the way I do now?
We start with the life you want, whether that’s travel, time with the grandkids or giving back. Then we work backward to see what it takes.
What about healthcare?
Medicare, supplemental plans and long-term care usually cost more than people expect. We put real numbers on it early so it doesn’t surprise you later.
Am I paying too much in taxes?
Which accounts you pull from, and when, makes a big difference. Roth conversions and a smart withdrawal order can help you keep more of what you saved.
I want you to retire with confidence.
I grew up in Columbia knocking on doors and cutting grass to earn my own money. That same work ethic is how I run this practice. I explain things in plain English, I keep the meetings we schedule, and I call you back.
All of your money, in one plan.
Most people come in with a 401(k) here, an old IRA there and a life insurance policy they haven’t looked at in years. We pull it all together so you can see the whole picture.
Retirement Planning
When you can retire, how much income you’ll have and a tax-efficient plan for drawing it.
Investment Management
Portfolios matched to your timeline and how much risk you can actually stomach.
Personal Financial Planning
Cash flow, debt, college savings and the basics of an estate plan.
Insurance & Asset Protection
Life, disability and umbrella coverage to protect your family and what you’ve built.
Planning for Physicians
Student loans, disability coverage and tax planning for doctors and medical professionals.
Getting started is simple.
No jargon and no pressure. You’ll always know what comes next.
Sit down and talk
A complimentary conversation about where you are and where you want to be. No cost and no obligation.
Gather information
We get a snapshot of where you stand financially: accounts, income, taxes, insurance and benefits.
Your custom plan
I walk you through a written plan and answer every question until it makes sense.
Stay on track
We meet on a regular schedule and adjust as the market, tax laws and your life change.
Most of our clients are getting close to retirement.
Many have saved between $500,000 and $1 million and want to know if it’s enough to retire on.
Pre-retirees
You’re within ten years of retiring and want to know if you’re on track.
Learn moreRetirees
You’ve already retired and want steady income, lower taxes and less worry.
Learn moreBusiness owners
You’re thinking about selling or stepping back and want to know what it means for your retirement.
Learn moreMedical professionals
You earn a good income, started saving later than most and don’t have time to manage it all.
Learn more
What clients wish their last advisor had done.
- I explain every investment. You should know what you own and why you own it.
- I keep our meetings. We meet on schedule, not only when the market drops.
- I call you back. You talk to the person who actually knows your plan.
- I manage risk. Your portfolio shouldn’t feel like a roller coaster.
I’m held to the fiduciary standard, which means I’m required to act in your best interest. You can check my background anytime on FINRA’s BrokerCheck.
In our clients’ own words.
Client reviews are hosted by Wealthtender, an independent platform that publishes its disclosures alongside each review. Reviews may not be representative of other clients’ experiences and are not a guarantee of future performance or success.
Putting off the call? You’re not alone.
These are the three reasons I hear most for waiting, and my honest answer to each one.
Isn’t hiring an advisor expensive?
It can be an investment up front. But think about what a missed tax strategy or a badly timed withdrawal could cost you over 20 or 30 years of retirement. You’ll see exactly what you’d pay, and how we’re paid, before you decide anything.
I don’t like talking about money.
Most people don’t. Our first meeting is just a conversation. There are no wrong answers, and I’ll explain everything in plain English.
How do I know you have my best interest at heart?
I’m held to the fiduciary standard, which means I have to put your interests first. You can check my background anytime on FINRA’s BrokerCheck.
How is Scipio Financial compensated?
We charge a fee based on a percentage of the assets we manage for you. You can see the full fee schedule here. If insurance is part of your plan, the insurance company pays a commission. We’ll go over all of it before you decide anything.
Where is your office?
We’re at 700 Nexton Square Drive in Summerville, right off I-26. That’s an easy drive from Goose Creek, Moncks Corner, Ladson and North Charleston, and we meet by video too.
Let’s see if you can retire with confidence.
The first meeting is complimentary, and there’s no obligation. Bring your questions and we’ll look at where you stand together.
Monday–Friday · by appointment
700 Nexton Square Drive, Box #2
Summerville, SC 29486