Are you a fiduciary?
Yes. Kevin is a Certified Financial Planner, and we provide fiduciary financial planning and investment management.
You may have more retirement options than you think.
You’ve spent years building toward retirement. Now you want to know if everything is actually working the way it should.
Kevin works with doctors, professors, and other professionals who have built meaningful retirement savings over the course of their careers.
For years, you contributed to the retirement accounts your employer put in front of you and trusted the default investments to do their job.
Then retirement gets close, and the questions get harder to ignore:
- I’ve saved for decades. Why does it feel like I should have more?
- Do I really understand the rules and taxes of my retirement accounts?
- What if the money I’ve built doesn’t last as long as I need it to?
- Which account should I draw income from first? How do I do that?
Kevin helps you see the full picture, uncover what may have been overlooked, and start you on a path to your ideal retirement.
See Where You Stand
What we help you figure out
It may feel like the important retirement decisions were made years ago. They weren’t. Some of the most financially impactful decisions are still ahead.
Even if you’ve been contributing to the same retirement plan for decades, there may still be meaningful decisions you can make before you retire. The year before you retire is often the last, best window to change the outcome — and some of these decisions are irreversible once made.
The first step is understanding what you actually have, where the gaps are, and which changes could improve the outcome.
Kevin can help you see what’s working, what may be holding you back, and what’s still within your control.
Your advisory team
Two specialists, one fiduciary standard.
Kevin Roche, CFP®, helps professors and healthcare professionals turn complex pensions and taxes into clear, confident retirement plans. As a fiduciary advisor, Kevin provides holistic financial planning that puts your interests first. After years advising at institutions like USF, Stanford, UCSF, and WestEd, Kevin specializes in decoding the fine print of 403(b), 401(a), and pension contracts, including fixed annuities, guaranteed accounts, and TIAA Traditional, identifying what's liquid, what's locked, and when in-service rollovers make sense after 59½.
His planning incorporates taxes into holistic financial planning, including cash flow planning, multi-year tax bracket strategies, Social Security timing, and minimizing lifetime tax and income drag. He helps coordinate Social Security and RMDs, and timing Roth conversions to maximize lifetime after-tax income, not just this year's refund. As a fiduciary, Kevin is committed to acting in your best interests. Provides tax-aware planning; not a CPA/tax advisor. Consult a CPA for tax filing. If you're an academic or clinician considering a move, retiring soon, or simply unsure what your pension contract means, Kevin will translate your statement into a step-by-step strategy and align your investments to it.
Will Gilmore brings institutional-grade investment management to individual clients. He follows a Warren Buffett–inspired value philosophy, informed by study under a Buffett protege and the Graham-and-Dodd tradition from Columbia. Will applies this approach pragmatically, including selective growth positions when fundamentals justify.
His disciplined, value-driven approach emphasizes tax-efficient security selection and evidence-based portfolio construction. Will works closely with clients to understand their risk tolerance and financial objectives, creating portfolios that weather market cycles while capturing long-term growth opportunities.
Specialty
Retirement planning for California professors
Kevin Roche, CFP®, works with faculty and academic staff across the UC, CSU and community college systems — decoding UCRP, CalSTRS, CalPERS, 403(b), 457(b) and TIAA contracts, and turning them into a tax-aware plan.
Retirement planning for California academicsOur services
Two ways to work together, depending on how much you want to hand off.
Wealth Planning
A planning engagement designed to give you a clear picture of where you stand and what should happen next.
- Your retirement probability of success, based on your current plan and the decisions available to you
- A projection of your wealth and net worth over time, so you can see how your financial picture may change throughout retirement, and “what if” scenarios showing the potential long-term impact of decisions
- A complete review of your investments and retirement accounts, including allocation, liquidity, guaranteed investments, and account restrictions
- The gaps and missed opportunities in your current plan, with a clear list of what Kevin would recommend changing and why
- Tax planning and CPA coordination, including identifying tax considerations in your plan and coordinating with your CPA when needed
- Estate planning support, including reviewing what you have, identifying documents that may be needed, and coordinating with an estate attorney on more complex needs
A fixed flat fee based on the complexity and services needed
Wealth Management
Everything included in Wealth Planning, plus a concierge approach to handle the important final decisions, while you focus on what’s important in life.
- Ongoing investment management, including portfolio construction, allocation, and adjustments over time
- Continuous retirement income and withdrawal planning, including how and when to draw from different accounts and the tax implications of those decisions
- Administration and coordination, helping implement recommendations, manage accounts, and keep the pieces working together
- Detailed reporting and plan monitoring, so you can see how you’re tracking and adjust as your life, markets, and goals change
- Active capital gains and tax management, including tax-loss harvesting, cost-basis considerations, and long-term tax planning
- Estate planning coordination, helping align your investments and financial plan with your estate strategy and working with your estate attorney as needs change
0.60%–1.25% of assets under management based on portfolio size
If you’re looking for answers, let’s have a conversation.
Have a plan for whatever comes next. Kevin’s goal is to help you better understand where you stand, what options you have, and what solutions may be available to you.
Start a Conversation
Common questions
Do I need to be retired already?
No. Many of the people we work with are in the final years before retirement, when there’s still time to evaluate the decisions and make adjustments.
Do you only work with doctors and professors?
No. Those are areas where we have particular experience, especially with the retirement plans commonly used by universities and healthcare institutions, but we also work with other individuals and families.
Do I need to understand my retirement plan before we meet?
No. In many cases, helping you understand what you have is where the work begins.
What happens in the first meeting?
We’ll learn more about your situation, what you’re trying to accomplish, and the questions you want answered. From there, we’ll determine whether it makes sense to take a deeper look. There is no cost until we have agreed what you need help with and how we can add value to your situation.
You’ve already done the work of building your retirement.
Now make sure you understand what you have, what may be missing, and what you can still do about it, so you can live the retirement you’ve dreamed about.
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By continuing, you agree to our Privacy Policy and Terms of Use. Advisory services are provided by Farther Finance Advisors, LLC, an SEC-registered investment advisor. Investing in securities always involves risks, and there is always the potential risk of loss of principal investment. Before investing, consider your investment objectives and Farther Finance Advisors LLC's fees and expenses. The information provided in this assessment is for educational purposes only and does not constitute legal, tax, or financial advice. Please consult with qualified professionals before making any financial or estate planning decisions.