We help retirees manage investments and coordinate pension decisions, Social Security timing, and tax-smart income—so the path forward is clear.

Retirement isn't one decision; it's dozens of connected ones. When to claim Social Security. Whether to take a pension as a lump sum or monthly income. How to draw income without triggering avoidable taxes or higher Medicare premiums. How a portfolio should be positioned when markets move. Handled separately, these choices tend to work against each other. Coordinated, they reinforce one another. 

At True Course Retirement, we work with people in the roughly ten-year window around retirement—many of them public sector employees navigating CalPERS, CalSTRS, and university systems across the Sacramento region. The work pairs ongoing investment management with a written plan that ties together income, taxes, Social Security, and pension decisions, then gets revisited as life and markets change.

Our approach rests on a simple idea: having a plan changes the trajectory of retirement. That means fewer guesses, clearer next steps, and a process you can actually see.

If you're within a few years of retirement and want the moving parts organized into one coordinated plan, let's talk.

True Course Retirement

Org chart

Teams

Offices

True Course Retirement

Org chart

Teams

Offices

Related companies