At C2, the plan drives everything.
Our team runs hundreds of iterations to build your financial plan within the context of your retirement and legacy goals. That plan becomes the framework for every decision that follows—like guiding when to claim Social Security, or how to time income—with the aim of identifying the best possible outcomes across your investment, tax, and estate objectives.
Every C2 Client Journey Starts
with Education.
In an industry built on relationships, we're built on education.
At C2, we encourage clients to choose an advisor based on the quality of planning and the strength of the firm, not personal rapport. We believe education gives clients the tools to evaluate those differences and understand the nuances of retirement planning before deciding who to work with.
That is why, in 2015, after ten years in the financial services industry, Kirk and Jessica Cassidy founded the Retirement Education Foundation, a charity focused on making high-level financial literacy accessible to everyone, not just clients of C2. The Foundation offers both advanced courses for adults and financial literacy classes for young adults.
We invite every prospective future client to complete the 8-hour, almost Master’s-level retirement course, sponsored by the Retirement Education Foundation. We made the course a part of our process because no plan, no matter how sophisticated, can bring peace of mind if you don’t understand it. From there, we provide continued education through our video series, The Rundown.
More Than a Plan—A Process
That Drives Decisions
We don’t see financial plans as documents. We see them as decision engines.
At C2, every client journey revolves around a custom plan built to fulfill your retirement vision, whether your goal is to retire sooner, maximize income, create an enduring family legacy, or balance a combination of the three.
From there, the plan is the source of truth. It guides every decision with clarity and consistency. Each recommendation follows the data and the disciplined process behind it, ensuring every choice is intentional and aligned with your long-term goals. Year by year, account by account, we coordinate investment, income, tax, and estate strategies to help keep every part of your financial life working in harmony. Each decision seeks to identify opportunity and manage risk—considering market volatility, tax law changes, long-term care costs, and the broader realities of aging.
The result is a structured, objective approach to retirement planning: every distribution, taxable event, and investment decision thoughtfully analyzed within the context of your overall plan.
Going Beyond the 4% Rule:
C2 Max Income Plans
The 4% Rule limits most retirees to fixed withdrawals each year to avoid outliving their savings. We think there’s a better way.
Much of the retirement planning world still relies on the 4% Rule, a guideline suggesting that income distributions in retirement should be set and limited to 4% annually. At C2, we believe retirement income planning should go beyond static formulas. Our process builds dynamic, data-driven plans that coordinate tax-efficient withdrawals, Social Security timing, investment alignment, risk management, income sequencing, and long-term care and legacy considerations. As a result, we are able to maximize distribution rates to the extent tolerated by a given client's portfolio.
Our proprietary C2 Max Income Plan™ is designed to evaluate sustainable withdrawal strategies across multiple scenarios to help clients identify opportunities for increased income potential, greater spending confidence, and a retirement plan tailored to their goals rather than a single industry rule.
Investment Management
Beyond Products and Predictions
We don’t start with products — we start with purpose.
Investing during the accumulation phase of life is fundamentally different from preparing for and investing during the distribution years (ages 50+). The greatest risk retirees face isn’t just market volatility, it’s sequence of returns risk: withdrawing from market-based accounts during a downturn can permanently lock in losses and reduce long-term income potential.
Our investment philosophy is built around this reality. We use two coordinated strategies to balance risk and reward. First, every investment plan defines allocations across different levels of market exposure and liquidity, helping us identify which dollars can tolerate risk, which should be preserved, and which can be positioned for opportunity. Second, we incorporate pivot accounts to support income needs during market downturns, helping reduce the need to sell investments at unfavorable times.
Our goal is simple: to help you stay focused on living the retirement you’ve earned, without constant concern about market volatility.
Family Office Services—For Every Family
Great plans don’t stop at investments.
At C2, your advisory team collaborates from day one with our in-house CPA firm (C2 CPA), and our affiliated estate planning attorneys. Our integrated approach ensures every part of your financial life is considered and coordinated from the start.
We do this because we believe no financial decision stands alone. Income potential is shaped by tax exposure. Inheritance outcomes can amplify that exposure. Investment risk influences every pillar of the plan. And for those with legacy priorities, estate structure determines how efficiently wealth transfers to the next generation. There are no universal rules of thumb for these decisions, only what works best within your unique context. And there’s no way to know that without one unified plan.
Together, we design strategies that account for the realities of life after a spouse’s passing, manage the tax impact of inherited assets, and mitigate aging risks that can erode even the strongest portfolios.
Intergenerational Planning,
exclusively for Children of Clients
For when taking care of you, means taking care of your children.
Over the years, many of our clients have asked us to help their children the way we’ve helped them—to build strong habits, make informed financial choices, and approach their goals with clarity and confidence. The Succession Planning Academy was created in response to those conversations. It brings together the same disciplines that define our work (financial planning, tax and estate coordination, and education) and combines them into an all-in-one service to give the next generation the tools and framework to succeed on their own terms.
The goal of the program is to give you greater peace of mind knowing your children have access to the same clarity, structure, and care that guides you.
Hear What Our Clients Have Said
Real experiences from families we’ve guided through retirement, in their own words.
This statement was provided by a current client of C2 Private Wealth. The client was not compensated for this testimonial. The testimonial reflects the client’s personal experience with C2 Private Wealth. It may not be representative of the experience of our other clients, and it is not a guarantee of future performance, success, or similar experience.
Every C2 client journey starts with education.
We believe education should come before advice. That’s why we invite anyone interested in retirement planning to attend a comprehensive class hosted by the Retirement Education Foundation.