For many of our clients, retirement isn’t just about having enough—it’s about knowing how to use it well. The challenge isn’t always the balance sheet; it’s understanding how to draw down assets effectively and tax-efficiently across a lifetime.
💸 Which accounts should I draw from—and when?
📉 Where do we pivot during a market downturn?
🧾 How do taxes and legacy planning fit into the withdrawal strategy?
🧮 What role do Social Security, pensions, rental properties, and annuities play?
⚖️ Which accounts should be more conservative, and which can carry more growth?
WHY Investment & Portfolio Management
At Wild Rye Financial, we don’t chase the wild ride. Some investors like to play cowboy—putting everything on the line in search of outsized returns. That’s not our philosophy. We believe in building wealth with intention: simply, sustainably, and in a way that endures across financial seasons.
We design broad, efficient portfolios that help clients weather both calm markets and unexpected storms. Our approach emphasizes clarity over complexity—because the best strategies are the ones you can actually stick to.
Each portfolio is managed in-house and tailored to individual goals and preferences. To deepen our investment expertise, we’ve built strategic partnerships with a select group of managers who specialize in asset allocation, portfolio construction, and investment selection. These relationships allow us to stay focused on what matters: delivering thoughtful, long-term results.
We primarily use low-cost, diversified investments—ETFs and mutual funds—to give clients broad exposure across asset classes. And for those who desire it, we incorporate a carefully curated individual stock portfolio. Everything we build is designed to be purposeful, adaptable, and aligned with your financial life
Your goals. Your values. Your future—all with a plan that fits.
