Currently at capacity for new clients. Join the waitlist for availability after January 1.

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.

Join the Waitlist
Will Gilmore and Kevin Roche on the UC Berkeley campus outside the Haas School of Business
Will and Kevin on campus at UC Berkeley

Your advisory team

Two specialists, one fiduciary standard.

Kevin Roche, CFP®

Kevin Roche, CFP®

Senior Vice President, Wealth Advisor, CFP®

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.

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Will Gilmore

Will Gilmore

Senior Vice President, Portfolio Manager

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.

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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 academics

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.

If your retirement plan advisor has reached out to discuss whether you should annuitize, and you’re still unsure what the right decision is, this is an important time to get a second perspective. Kevin can help you understand the tradeoffs and how that decision fits into the rest of your retirement plan before you make it.

Already annuitized? There may still be important decisions to discuss. Kevin can help you plan around what’s already been decided and focus on the investments, income, taxes, withdrawals, and other decisions still within your control.

Wherever you are in that process, Kevin can help you make the most of the choices that are still available to you.

Our Services

Two ways to work together, depending on how much support you need.

Receive a comprehensive financial plan with clear recommendations you can put into action yourself, or work with a dedicated team to implement and manage your strategy over time.

Option 01

Wealth Plan

A comprehensive financial plan, built for you.

Flat Fee

Based on the complexity of your situation and services needed.

We’ll take a comprehensive look at your financial life and deliver a personalized financial plan that shows where you stand, identifies opportunities, and gives you a clear path forward.

Your Wealth Plan includes

  • Retirement Planning

    Analyze your retirement goals, projected income, and probability of success.

  • Wealth Projections

    Understand how your wealth may change over time and evaluate different financial decisions.

  • Investment & Account Review

    Review your investments, retirement accounts, guaranteed funds, liquidity, and account restrictions.

  • Tax Planning

    Identify tax-saving opportunities and coordinate with your CPA.

  • Estate Planning

    Review your estate plan, identify potential gaps, and coordinate with an estate attorney when needed.

  • Personalized Action Plan

    Receive clear recommendations, priorities, and next steps for putting your plan into action.

What you receive

A comprehensive financial plan with personalized recommendations and a clear roadmap for what to do next.

Planning engagements may be completed once or revisited annually, depending on your needs.

Option 02

Wealth Management

Your financial plan, put into action and managed over time.

0.60%–1.25% Annually

Based on assets under management and portfolio size.

Everything included in your Wealth Plan, plus a dedicated team to implement your strategy, manage your investments, and keep your financial life aligned with your goals.

Your ongoing service includes

  • Everything in Your Wealth Plan

    Comprehensive financial planning and personalized recommendations.

  • Investment Management

    Portfolio construction, investment selection, allocation, and ongoing adjustments.

  • Retirement Income Management

    Coordinate how and when to draw from different accounts, including the tax implications of each.

  • Active Tax Management

    Capital gains management, tax-loss harvesting, and long-term tax planning.

  • Implementation & Coordination

    Execute recommendations, manage account administration, and coordinate with your other financial professionals.

  • Ongoing Monitoring & Estate Planning

    Review your progress, adjust your strategy, and consider long-term tax implications for your estate.

What you receive

A dedicated advisory team that implements your financial plan, manages your investments, and helps you make important financial decisions as your life and goals change.

If you’re looking for answers, let’s have a conversation.

No matter what 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.

Join the Waitlist
Kevin Roche sitting in his garden holding Moose, his Golden Retriever
Kevin and Moose in the garden

Waitlist

Interested in working together?

I’m currently at capacity for new clients, but expect to begin taking on new clients again after January 1.

If you’d like to explore working together, join the waitlist below. I’ll follow up when availability opens.

In the meantime, you’re welcome to continue reading my newsletter.

Common questions

Are you a fiduciary?

Yes. Kevin is a Certified Financial Planner, and we provide fiduciary financial planning and investment management.

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.

Are you currently taking on new clients?

Not at the moment. Kevin is currently at capacity for new clients and expects to begin taking on new clients again after January 1. If you’d like to explore working together, join the waitlist and he’ll follow up when availability opens.

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.

Join the Waitlist

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