Personalization at Scale: Why Cookie-Cutter Portfolios Fail in 2025
Real Planning Means Customization Generic model portfolios may have worked in simpler times, but they fall short in today’s complex financial environment. Every client brings
Whether you’re in your 50s and preparing to retire soon, or simply looking to get ahead, these retirement planning strategies can help you stay on track.
At Davis Capital Management, we help individuals and families create personalized, tax-smart retirement plans that align with their goals and values. Here are five key moves to consider:
One of the most important steps is figuring out how much you’ll actually need. This includes estimating monthly expenses, healthcare costs, and how long your money needs to last.
Pro tip: Don’t just rely on generic calculators—personalized retirement projections are far more accurate.
Now’s the time to take advantage of catch-up contributions in your 401(k) or IRA. For those 50 and older, the IRS allows you to contribute more, helping you boost your retirement savings quickly.
Use both Traditional and Roth IRAs strategically to manage taxes in retirement.
In retirement, income may come from multiple sources—Social Security, pensions, investment accounts, and possibly part-time work. A diversified income strategy can help smooth out market ups and downs.
A financial advisor can help you create a drawdown strategy that minimizes taxes and maximizes lifetime income.
When you claim Social Security can significantly impact your total benefits. Claiming early may reduce your monthly payout, while waiting could increase it—especially if you’re in good health and have other income.
Coordinating Social Security with your overall plan can make a big difference in lifetime benefits.
Planning for retirement involves more than picking investments. A fiduciary advisor helps you consider the big picture: taxes, estate planning, insurance, and your long-term goals.
At Davis Capital Management, we act in your best interest—always. Our personalized approach helps you retire with clarity and confidence.
Real Planning Means Customization Generic model portfolios may have worked in simpler times, but they fall short in today’s complex financial environment. Every client brings
Every May, interest rates on federal student loans are reset for the upcoming school year. The rates are calculated by combining the yield on the 10-year U.S. Treasury note with an
As our parents grow older, many of us find ourselves stepping into a new role—one that involves helping them navigate the complexities of aging, including their financial wel
