Retirement Planning + Family Wealth

Who We Work With

Astra works primarily with people nearing or in retirement who have spent years building their wealth and now need a clear plan for what comes next.

The questions start to change at this stage: Do we have enough? Where should our income come from? How do we pay tax thoughtfully? What are we missing? Will the kids be okay? How do we make sure all the pieces work together?

We also believe financial planning is often a family conversation. Our core work is with people approaching and living in retirement, but our relationships often extend to their children and other family members.

Investment Approach

We don’t start with a portfolio and bolt a retirement plan onto it.

We start with the retirement income plan: what the money needs to do, when it will be needed, and what risks matter and then build the investment strategy around that.

Three-Ladder Approach

Our investment management is built around a three-ladder approach designed specifically for retirement.

Each part of the portfolio has a job to do, allowing us to think deliberately about the money someone may need sooner, the money that can stay invested longer, and how the pieces work together over time.

We use evidence-based investment principles and a long-term approach built around retirement income — not headlines, predictions or whatever happens to be making noise this week.

Fees + Costs

Cost matters.

We are deliberate about the fees our clients pay and use lower-cost investments where they make sense. But lowest cost is not the only goal — the investment still has to earn its place in the plan.