How We Help
Retirement Planning
Retirement Planning in Charleston, SC
A retirement income strategy built to last as long as you do — not just a number on a spreadsheet.
Retirement isn’t a finish line — it’s decades that have to be funded, taxed efficiently, and protected from the unexpected. As an independent, fee-only fiduciary in Charleston, Bellerophon helps professionals, executives, and business owners turn a lifetime of saving into reliable, tax-smart income — without leaving growth, legacy, or peace of mind on the table.
What Your Retirement Plan Covers
Retirement Income Planning
We turn your 401(k)s, IRAs, brokerage accounts, and pensions into a dependable paycheck — sequencing withdrawals so your savings last and your tax bill stays low.
Social Security Strategy
When and how you claim can mean six figures over a lifetime. We model the timing that maximizes your household's benefit alongside the rest of your income plan.
Tax-Efficient Withdrawals
Which accounts you draw from, and in what order, shapes your tax bill for decades. We coordinate withdrawals, RMDs, and capital gains to keep more of what you've saved.
Healthcare & Long-Term Care
Medicare choices, IRMAA surcharges, and the real cost of long-term care can derail a plan. We build them into your projections before they become surprises.
Roth Conversion Strategy
The years between retiring and required distributions are often a planning sweet spot. We map multi-year Roth conversions to lower lifetime taxes and what your heirs inherit.
Legacy & Estate Coordination
We help structure what's left so it transfers to the people and causes you choose — tax-efficiently and without probate headaches — working alongside your attorney and CPA.
Specialized Retirement Strategies for High Earners & Business Owners
You saved more than the typical retiree. Your plan should do more, too.
Early Retirement & Business-Exit Income
Retiring early or selling your business? We help bridge the income gap, manage health-insurance costs, and draw from the right accounts so an early exit doesn't cost you later.
Cash Balance & Defined-Benefit Plans
High-earning owners can shelter far more than a 401(k) allows. We design and implement cash balance plans that accelerate retirement savings while reducing taxable income.
Why It Works
As an independent, fee-only fiduciary, we’re paid by you — never by commissions or fund companies. Your retirement plan is built around your income needs and your timeline, not a product someone needs to sell. Every recommendation is one we’d make for our own families.