Retirement Planning

At our firm, we have the client—and only the client—in mind.

At Onitus Capital, retirement planning is about more than preparing financially—it’s about building a strategy that reflects your lifestyle, goals, and priorities. Whether you are just starting to think about your future or already approaching retirement, we help you create a retirement plan designed to adapt as your life evolves.

Connect with Onitus Capital today, and we will help you build a roadmap to your dream retirement.

Why Retirement Planning Matters

A thoughtful retirement plan helps bring clarity to some of life’s biggest financial decisions. By taking a structured approach, you can:

  • Organize income sources such as pensions, savings, and Social Security 
  • Balance investments with anticipated expenses
  • Prepare for healthcare and long-term care costs
  • Explore tax-efficient strategies to help preserve wealth
  • Connect retirement goals with legacy and estate considerations

Onitus Capital takes a thorough and holistic approach to retirement planning, working with you to make sure your actions today build the foundation for tomorrow.

What a Retirement Plan Can Include

Every individual’s financial picture is different, so we customize retirement plans to fit your circumstances. Areas we may review together include:

Income Planning – Coordinating multiple income streams so they work together throughout retirement.

Investment Management – Evaluating your portfolio to match your retirement timeline and comfort with risk.

Tax Planning – Considering strategies such as Roth conversions or withdrawal sequencing to help reduce unnecessary tax impact.

Healthcare Preparation – Reviewing Medicare, supplemental insurance, and potential long-term care needs.

Estate and Legacy Planning – Connecting your retirement plan with how you’d like to provide for family and causes that matter to you.

Working With a Retirement Planner in Newport Beach

Working With a Retirement Planner in Newport Beach

When people search for a retirement planner, they’re often looking for more than financial advice—they want guidance tailored to their community and lifestyle. At Onitus Capital, we combine deep financial knowledge with local perspective. Our team takes the time to understand what matters most to you and provides retirement planning services designed to align with your goals.

Frequently Asked Questions

When should I start planning for retirement?
The earlier, the better. Starting early allows more time to build and adjust, but even late planning can bring valuable improvements.

Do I need a retirement planner if I already have savings?
Yes. Savings alone may not address tax planning, income distribution, or healthcare needs. A retirement plan coordinates all aspects of your financial life.

What if I’m already retired?
Planning doesn’t stop at retirement. Reviewing your income strategy, investments, and spending plan helps keep you on track.

Start Planning Today

Start Planning Today

Your retirement should reflect the life you’ve worked hard to build. At Onitus Capital, we provide retirement planning services that help you prepare with clarity and purpose. Contact us today to schedule a conversation and begin creating a retirement plan that’s right for you.

Kyle Soucy CFP®

Kyle Soucy CFP®

Managing Member & Chief Compliance Officer

(949) 763-4114

ksoucy@onituscapital.com

Kyle Soucy brings experience and expertise to his clients through holistic financial planning. Kyle graduated from the University of Connecticut where he majored in Economics. Following his passion and love for finance, Kyle has worked...

Read more
Client Centered

Client Centered

Whether you are investing to build wealth, protect your family, or preserve your assets, our personalized service focuses your needs, wants, and long-term goals.

Our team of professionals have years of experience in financial services. We can help you address your needs of today and for many years to come. We look forward to working with you.