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Retirement Planning

Wealth Shepard

Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.

Wealth Shepard is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.

Retire with confidence

Our Planning Process

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

01

Start Smart

02

Apply Discipline

03

Communicate Progress

01

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life.

Inflation

Reduction in real purchasing power as the result of increasing cost of living.

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death.

Liquidity

Limited access to assets to meet life’s unexpected financial needs.

Market

Unexpected reduction in the value of financial assets at the time of withdrawal.

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

02

Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Our Services, Your Future

We take the time to thoroughly explore your needs no matter the stage of life you are in to help provide a custom tailored solution that we continue to monitor and adjust until the end of time.

Maximize the growth potential of your investable assets in accordance with your risk tolerance and financial goals.

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

Support your retirement income plan with accumulation and tax-free distribution strategies in retirement.

Design an income plan that delivers dependable income and financial security throughout your retirement.

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate planning strategies.

Explore options to protect your income in the event of a an illness or injury that prevents your ability to work.

Develop strategies to protect assets against the effects of inflation.

Ensure access to assets to meet life’s unexpected  needs.

03

Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.

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Meet The Advisor

Mark Shepard Thomas

Founder

Your Journey to a Confident Retirement Starts Here

You probably didn’t grow up dreaming about financial planning. Neither did I. But somewhere along the way, you realize that life doesn’t wait—and money decisions matter more than we ever thought.

I’ve always found the financial world fascinating. It’s what led me to earn a degree in finance. But numbers alone didn’t spark my passion—it was people. I discovered I had a gift: taking complex financial ideas and making them simple, clear, and doable. That changed everything.

My journey really began with John—my first client and a lifelong friend. He wanted to start a college savings plan for his kids. Together, we made it happen. And in that moment, I saw how powerful financial clarity could be. It wasn’t just about money. It was about legacy, peace of mind, and freedom.

Then came the Great Recession of 2008.

I watched people lose their savings, their confidence, and in some cases, their hope. It hit hard. But it also opened my eyes. I knew there had to be a better way. A safer way. A smarter path forward.

Retirement once felt like a far-off dream for me too. Something you hope for but never really trust. So, I took matters into my own hands. I searched. I learned. I found a retirement solution that didn’t depend on Wall Street’s mood swings. A solution rooted in security and stability—no risk, no drama.

And I knew I had to share it.

Today, I help people just like you turn retirement into something real. No more sleepless nights worrying about the market. No more crossing fingers and hoping it all works out. Just a clear, confident plan built around your life and your goals.

This isn’t just financial planning. This is your future—on your terms.

Let’s build it together.

RR

Complimentary Educational Resources

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Our Upcoming Events

Events in June–July 2025

  • There are no events scheduled during these dates.

Our Downloads

How to Exit Your Business and Enter Retirement

For many years, you’ve been the captain of your ship. Running your own business hasn’t been easy, and success was never guaranteed. Retirement planning is the next uncharted waters for you, and there’s no one-size-fits-all map.

Financial Calculators

CalcXML Financial Calculators

PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.

Financial Literacy Videos

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