Retirement Planning in Southbury, CT

Your Whole Financial Life, Working Together

True Compass Advisors unifies your investments, taxes, estate plan, real estate, and insurance into one coordinated strategy, so every decision moves you toward the same goal.

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Prefer to talk now? Call 860-955-3535 and you'll reach our team, not a machine.

Coordinated Financial PlanningOne advisor aligning your investments, tax, estate, and insurance decisions into a single plan. Fee-Based AdvisoryTransparent, fee-based investment management. Costs reviewed with you before any engagement. Based In Southbury, CTServing individuals and families throughout Connecticut. Verify Our BackgroundFINRA BrokerCheck

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA & SIPC.

Retirement Planning For A Life You've Worked Hard To Build

After decades of building substantial and often complicated wealth, retirement is not simply a savings question. It is a coordination question. Your investment accounts, tax exposure, estate documents, real estate, and insurance all interact, and decisions made in one area ripple through the others. When those pieces are managed separately, opportunities get missed and risk goes unnoticed.

At True Compass Advisors in Southbury, Connecticut, we bring family-office-style coordination to individuals and families across the state who want a single, unified retirement strategy. Acting as your financial quarterback, we integrate investment management, tax-aware income planning, and estate considerations into one plan, and we work directly with your CPA and estate attorney so every decision points in the same direction.

The result is a retirement approach that fits the full picture of your wealth, so you can move toward this next chapter with clarity and confidence.

Why Coordinated Retirement Planning Matters

Retirement introduces decisions that are difficult to reverse: when to claim Social Security, how to draw income across taxable and tax-deferred accounts, and how to prepare for required distributions. Small missteps compound over a retirement that can span decades. Coordinated planning is how you keep those decisions working together.

Age 73

Most retirement savers must begin taking Required Minimum Distributions from traditional retirement accounts at age 73, and the timing carries real tax consequences.

Source: IRS

Up to 85%

Depending on your combined income, up to 85% of your Social Security benefits can be subject to federal income tax, which makes income sequencing an important planning decision.

Source: Social Security Administration

67

Full retirement age is 67 for anyone born in 1960 or later. Claiming earlier permanently reduces your monthly benefit, so the decision deserves careful analysis.

Source: Social Security Administration

These are national figures for general education, not predictions about your individual situation. The value of planning is turning rules like these into a strategy that reflects your accounts, your tax picture, and your goals.

Our Retirement Planning Services

A complete retirement plan pulls together every part of your wealth. These are the areas we coordinate for clients across Connecticut.

Retirement Income Planning

A withdrawal strategy that sequences income across taxable, tax-deferred, and tax-free accounts to help your savings last and keep taxes in view.

Investment Management

Fee-based portfolios built around your goals, time horizon, and comfort with risk, monitored and adjusted as markets and your life change.

Tax-Aware Planning

Working alongside your CPA, we look for ways to manage the tax impact of distributions, Roth conversions, and required minimum distributions.

Estate And Legacy Coordination

We coordinate with your estate attorney so beneficiary designations, trust* structures, and your broader plan stay aligned across generations.

Risk And Insurance Review

A review of how insurance fits your retirement picture, so protection gaps and overlaps are addressed as part of the whole plan.

Social Security Strategy

Analysis of when and how to claim benefits within your broader income plan, so you can weigh the trade-offs of timing with clear information.

A Coordinated Network Behind Your Plan

Retirement decisions rarely sit in one lane. Through our strategic relationships with CPAs, estate attorneys, and other specialists, we help keep your tax, legal, and financial strategies pointing in the same direction, so the pieces work together rather than in parallel.

*Trust services are available through The Private Trust Company N.A., an affiliate of LPL Financial.

Why Connecticut Families Work With Us For Retirement

Choosing an advisor for retirement is really about deciding whom to trust with the wealth you have spent a career building. Our value comes from experience, transparency, and a standard of care that puts your interests first.

We are an independent Southbury, CT firm aligned with a national partner, so you get personal relationships and institutional-grade resources in the same place.

Verify our registration and background anytime on FINRA's BrokerCheck, or review the LPL Form CRS Client Relationship Summary.

Coordinated, Not Piecemeal

Investments, income, tax, and estate strategy managed together, so no part of your retirement plan works in a vacuum.
Fee-Based And Transparent

Transparent, fee-based investment management, with costs reviewed with you before any engagement begins.
Backed By LPL Financial

Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.
Rooted In Southbury, CT

We live and work where our clients do, on Main Street South in Southbury, and we meet with you face to face.

Jared D. White

Founder & CEO

With more than 20 years in financial services, Jared founded True Compass Advisors to bring coordinated, family-office-style planning to individuals and families. A graduate of the University of Vermont with a master's degree through a University of Connecticut co-sponsored program.

Harrison Graham, CFP®

Lead Financial Advisor

A CERTIFIED FINANCIAL PLANNER™ professional who guides clients through retirement, education, and life-transition decisions. He graduated magna cum laude in finance from Eastern Connecticut State University with a certificate in Financial Planning from Southern Methodist University.

Laura Maguire

Senior Investment Analyst

In financial services since 1985, Laura focuses on advisory account and investment monitoring, investment analysis, model maintenance, and trade processing. A lifelong Connecticut resident, she holds the Series 7, 63, and 65 registrations with LPL Financial.

Areas We Serve

Based on Main Street South in Southbury, we provide retirement planning to individuals and families throughout Connecticut, in person and by phone or video.

Southbury
Woodbury
Oxford
Middlebury
Newtown
Bethel
Danbury
Waterbury
Cheshire

True Compass Advisors
900 Main Street South, Building 2, Suite 200
Southbury, CT 06488
860-955-3535

Request A Complementary Consultation With True Compass Retirement Advisor

If you want a clear, coordinated plan for your retirement, we would welcome a conversation. Share a few details and we will reach out to schedule a time that works for you.

Prefer to talk now? Call 860-955-3535

Frequently Asked Questions

When should I start retirement planning?

The sooner the better, but it is rarely too late to benefit from coordination. If you are within roughly ten years of retirement, this is the window where decisions about income sequencing, Social Security timing, and tax planning have the greatest impact. We help you organize the full picture so each choice supports the others.

Do you serve clients outside of Southbury, Connecticut?

Yes. Our office is in Southbury, and we work with individuals and families throughout Connecticut, including Woodbury, Oxford, Middlebury, Newtown, Bethel, Danbury, Waterbury, and Cheshire. We meet in person and also by phone or video for clients who prefer to connect remotely.

How are your retirement planning services structured?

We provide transparent, fee-based investment management and planning. We review costs with you before any engagement begins so you understand how we work. Securities and advisory services are offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.

How do you help manage taxes in retirement?

We build a withdrawal strategy that sequences income across taxable, tax-deferred, and tax-free accounts, and we coordinate directly with your CPA on items like Roth conversions and required minimum distributions. We do not provide tax or legal advice; instead, we work alongside your tax professional so the financial plan and the tax plan stay aligned.

When can I claim Social Security benefits?

You can begin as early as age 62, but claiming before full retirement age permanently reduces your monthly benefit. For anyone born in 1960 or later, full retirement age is 67, according to the Social Security Administration. We analyze how timing fits your broader income plan so you can weigh the trade-offs with clear information.

How do I verify your background and registration?

You can check the background of your financial professional anytime on FINRA's BrokerCheck at brokercheck.finra.org. You can also review the LPL Financial Form CRS Client Relationship Summary, which describes our services, fees, and the standard of care that applies to our relationship.

Retirement Planning