At Astra, we don’t believe retirement should mean downsizing your lifestyle. We believe it should be an opportunity to elevate it. Many advisors claim that you need 70-80% of your pre-retirement income to maintain your lifestyle. But if you want to enjoy a truly exceptional retirement — one filled with travel, experiences, and legacy-building — you need to aim much higher.

As a successful professional, business owner, or high-net-worth individual, your financial planning needs are more complex than the average retiree’s. You may face:

• Higher tax burdens that erode wealth faster
• Lifestyle expectations that standard retirement calculators don’t account for
• Longer life expectancies requiring greater financial reserves
• A desire to leave a meaningful legacy for future generations

Our advisors anticipate these challenges and craft sophisticated strategies to overcome them. Here’s how:

1. The Portfolio Power Play

An extraordinary retirement requires a portfolio that not only preserves wealth but continues to grow it. Our approach includes:

• Strategic Asset Allocation with an Edge: Conventional wisdom suggests a conservative portfolio in retirement, but we know that for many high-net-worth individuals, maintaining 60-70% equity exposure (rather than the traditional 30-40%) leads to greater long-term success.
• Alternative Investment Integration: Private equity, real estate, and other alternative investments aren’t just for accumulation years — they’re essential to a retirement that doesn’t compromise.

2. The Tax Minimization Masterplan

They say the only certainties in life are death and taxes — but we believe there’s room for strategy when it comes to taxes. Our tax-efficient approach includes:

• Residence Planning: Establishing residency in a tax-friendly state can save hundreds of thousands over a retirement lifetime. We help clients make strategic location decisions that align with their lifestyle and financial goals.
• Roth Conversion Ladders: We design structured Roth IRA conversion strategies that maximize tax-free withdrawals while minimizing lifetime tax burdens.
• Charitable Giving Strategies: Donor-Advised Funds and Charitable Remainder Trusts can reduce tax liability while amplifying the impact of philanthropy.

3. Creating Additional Income Streams

True financial freedom comes from multiple streams of income. Beyond traditional market investments, we help clients build alternative revenue sources such as:

• Real Estate: Direct ownership of income-producing properties provides both passive income and inflation protection.
• Royalties & Intellectual Property: Monetizing expertise through books, courses, or consulting can create ongoing income while providing a sense of purpose.
• Strategic Business Interests: Holding carefully selected equity positions in private businesses allows clients to benefit from ownership without day-to-day operational responsibilities.

4. The Legacy Enhancement Approach

A legacy is about more than just the wealth you leave behind — it’s about the impact you make during your lifetime. We help clients design strategies to:

• Provide Living Inheritances: Structuring wealth transfers that allow clients to see the impact of their generosity while they’re still here to enjoy it.
• Fund Transformational Experiences: From funding educational opportunities to backing business ventures for children and grandchildren, we help clients invest in their family’s future in meaningful ways.

The Astra Difference: Extraordinary by Design, Not by Chance

At Astra Wealth Management, we know that extraordinary retirement doesn’t happen by accident. Our approach ensures that every client receives a customized strategy designed to support their lifestyle, protect their wealth, and create a legacy.

We’re not just financial advisors — we’re partners in helping you achieve the retirement you’ve earned. Let’s talk about what extraordinary means to you and how we can make it a reality.