Retirement planning for people who want to pay less in taxes, create reliable income, and stop guessing.
We build you one plan that covers your income, your taxes and your investments — then we manage it with you, year after year.
- One plan covering your income, your taxes and your investments
- No jargon, and no decisions you don’t understand
- Your money is held at RBC, one of the largest banks in the world
Don't just take our word for it.
As part of our commitment to transparency, you can review Pat's professional record on FINRA's BrokerCheck.
Retirement planning is our focus.
These are the six decisions that move the needle most in retirement. They’re where we spend our time.
Your paycheck in retirement
Building a withdrawal strategy designed to support steady income throughout retirement.
Paying less in taxes
Which account you take money from, and in which year, can change your tax bill by a lot.
When to claim Social Security
Timing this decision can meaningfully affect your lifetime benefits, so it’s worth reviewing before you file.
How much risk you’re taking
Making sure your investments match when you’ll need the money — and how you sleep at night.
Health care and Medicare
Planning for medical bills and long-term care before they show up, not after.
What you leave behind
Making sure the right people inherit the right accounts, with your attorney in the loop.
We look at all of it together — your accounts, your taxes and your income — before we suggest a single thing.
People who did the saving, and now want the answers.
Most of our clients are close to retirement or already there. They’ve built something worth protecting, the decisions have gotten bigger, and they’d rather not guess at them alone.
- Retiring within the next ten years — or already retired
- Usually $500,000 to $5 million in savings and investments
- Going through a change: retiring, an inheritance, or a divorce
- Want one team handling all of it, instead of four different opinions
You get the same three people, every single time.
One portfolio, built around your life.
We don’t drop you into a cookie-cutter model and walk away. What we build depends on when you’ll need the money, what you already own, and what it would cost you in taxes.
We keep your mix where it belongs
We check your accounts every quarter. When one investment grows too big, we trim it back — so a good year doesn’t quietly leave you taking more risk than you meant to.
We find where you own the same thing twice
Three different funds can own the same forty companies. We look inside them, find where you’re doubled up, and clean it up — so you’re actually spread out, not just on paper.
We look for losses that may reduce taxes
When an investment is down, we may be able to sell it and reinvest in something similar so you stay in the market. Realized losses can potentially offset gains, subject to IRS rules including wash-sale restrictions. Results depend on your individual situation.
We consider which account holds what
Some investments are taxed less favorably than others, so where they are held can matter. Depending on your circumstances, positioning holdings across taxable, IRA and Roth accounts may help manage the tax impact of the same overall strategy.
You’ll always know why you own something and what it costs. Every investment has a job, and the fees inside your funds are shown alongside ours. The strategies above depend on your individual circumstances — we do not provide tax or legal advice, and we coordinate with your CPA and attorney.
Where your money actually sits.
Two company names show up on your paperwork. Here is what each one does.
Larchmont Wealth
We build the plan, choose the investments and manage them over time. We are the people you call, and the ones who explain every recommendation before you decide on it.
RBC Clearing & Custody
RBC opens the account, keeps your money in it and completes your trades. The account is in your name, and you can log in and look at it whenever you want.
Your account is opened at RBC, in your name. That is where your money stays, and it is the same setup independent advisors use across the country.
-
If something happened to RBCSIPC would cover up to $500,000 of your account, including up to $250,000 in cash. RBC buys extra coverage on top of that, up to $99.5 million per account. None of this covers losing money in the market — that is a separate thing.
-
Look at it whenever you wantYour balance, what you own and how it is doing — on the website or the RBC app on your phone.
-
Statements and tax formsStatements, trade confirmations and tax forms all show up online. Download them whenever you need them.
-
Adding and taking out moneyConnect your bank so you can put money in or take money out when you need it.
Brokerage and investment advisory services are offered through Aegis Capital Corporation, a member of FINRA and SIPC. This material is provided for educational purposes only. SIPC and excess coverage apply if the firm holding your account fails. They do not protect against a decline in the value of your investments.
From here, step by step.
Five steps from the first phone call to an ongoing relationship.
We talk
Your goals, your income, and what’s actually keeping you up at night.
We build your plan
Then we walk you through it in plain English, start to finish.
We open your accounts
Opened at RBC. We handle moving everything over for you.
We put it to work
The plan gets invested across your accounts.
We keep meeting
On a set schedule, adjusting as your life changes.
There’s no obligation after the first call. It’s a chance for both of us to figure out whether we’re a good fit.
Who you’ll be working with.
You’ll know all three of us by name, and you’ll work with all three of us.
Pat Haggerty
Founder & Financial AdvisorPat moved to New York over twenty years ago to work in finance, and kept running into the same thing: regular families with real money, getting cookie-cutter advice. He started Larchmont to do it differently — explain things clearly, and stick around for the long haul.
Zach Nedell, CFP®
Financial AdvisorZach works alongside Pat on nearly every plan and every client. He brings a modern, tech-forward approach to the work. He’s a CFP® professional and a fiduciary, and holds the Series 7 & 66 licenses.
Jessica Perry
Client Relationship ManagerJessica runs operations and client service after more than fifteen years at UBS. Her job is to handle the paperwork and the details, so you and your advisor can focus on the plan.
Book an intro call.
A conversation, not a pitch. Tell us where you are and what you’re trying to figure out, and we’ll tell you honestly whether we’re the right people to help.
Rather email or call instead? Either works — we answer both.