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Retirement Planning in Charlotte, NC

A retirement plan should turn the savings you have worked for into dependable income for the years ahead. Our advisors build tax-aware retirement strategies for individuals and families in Charlotte, with recommendations made in your best interest.

Request a Retirement Planning Consultation Call (704) 523-2272
  • FiduciaryObligated to act in your best interest
  • CFP® ProfessionalsRigorous certification standards
  • Comprehensive PlanningIncome, Social Security, and Tax Strategies
  • Local OfficeCharlotte office, serving Mecklenburg County

Retirement Planning for Charlotte Individuals and Families

Retirement changes the question you have been asking. For years the goal was to save as much as you could. Now it is how to turn those savings into income you can rely on, income that keeps up with rising costs and lasts through a long retirement. That deserves a written plan you can see and adjust over time.

We work with Charlotte professionals, relocating executives, and retirees to bring the pieces together: when to draw from each account, when to claim Social Security, how to manage taxes year to year, and how the plan should respond as life changes. Every recommendation we make is given in your best interest.

Why Retirement Planning Matters in North Carolina

North Carolina's flat tax and its treatment of Social Security shape when conversions and withdrawals make the most sense.

$7,500

2026 IRA contribution limit (IRS)

Age 67

Full retirement age for anyone born in 1960 or later (Social Security Administration)

$0

North Carolina tax on Social Security benefits (North Carolina Department of Revenue)

Our Charlotte Retirement Planning Services

Retirement planning comes together when the pieces are managed as one plan rather than one decision at a time. These are the areas we focus on for Charlotte individuals and families.

Retirement Income Planning

We turn your accounts into dependable income, mapping which to draw from and when so your money lasts and your taxes stay manageable.

Social Security Timing

We model claiming ages against your other income so you can decide when to file with the full picture, not a rule of thumb.

Tax-Aware Withdrawals and Roth Conversions

North Carolina's flat tax rate shapes when conversions make sense. We look at converting in the right years and sequencing withdrawals to smooth taxes.

401(k) and IRA Rollovers

Many Charlotte residents arrive with plans from prior employers and states. We help you consolidate and decide what to do with each account.

Investment Management

We manage a portfolio matched to your income needs and risk tolerance, and adjust it as you move from saving into spending.

Estate and Legacy Coordination

We coordinate beneficiaries and account titling with your attorney so your plan passes on the way you intend.

Why Charlotte Retirees Work With Us

Choosing an advisor is really a decision about whom to trust with your family's future. Our value comes from experience, transparency, and a fiduciary standard of care that puts your interests first.

We are an independent, SEC-registered firm based in Charlotte's Ayrsley community, so you get a direct relationship with your advisor and the accountability that comes with the fiduciary standard.

  • Fiduciary Standard of Care

    Our recommendations are made in your best interest, designed around your goals rather than product sales.

  • CFP® Guidance

    Our planning is led by CERTIFIED FINANCIAL PLANNER™ professionals held to the standards of the CFP Board.

  • Coordinated Advice

    Investments, retirement income, tax awareness, and estate strategy are managed together as one plan.

Ryan Kaysen CFP

Ryan Kaysen, CFP®

Private Wealth Manager

Began his career supporting advisors in operations and portfolio strategy, earned his CFP certification, and built a client-first practice before joining Serenity to expand personalized planning for Charlotte families.

Areas We Serve

We meet with clients at our office in the Ayrsley community and serve individuals and families across the greater Charlotte area.

  • Charlotte
  • Ballantyne
  • SouthPark
  • Steele Creek
  • Matthews
  • Mecklenburg County

Request a Retirement Planning Consultation in Charlotte

If you want a clear, coordinated plan for your retirement income, we would welcome a conversation. There is no cost for the first meeting and no obligation to move forward.

Request a Retirement Planning Consultation Call (704) 523-2272

Frequently Asked Questions

Does North Carolina tax Social Security or my retirement income?

North Carolina does not tax Social Security benefits. It applies a single flat income tax rate to other retirement income such as 401(k), IRA, and pension withdrawals (North Carolina Department of Revenue). The flat rate is one reason the timing of Roth conversions is worth planning.

How much can I contribute to my retirement accounts in 2026?

For 2026 the 401(k) elective deferral limit is $24,500, with an $8,000 catch-up at age 50 and over and a higher $11,250 catch-up for ages 60 to 63. The IRA limit is $7,500, with a $1,100 catch-up at 50 and over (IRS).

When should I claim Social Security?

Full retirement age is 67 for anyone born in 1960 or later (Social Security Administration). Filing earlier reduces your benefit and waiting increases it, so the right choice depends on your other income, your health, and your spouse. We model the options with you.

I moved to Charlotte with accounts from another state. Can you help?

Yes. Many of our clients arrive with 401(k)s and equity compensation from prior employers and states. We help you consolidate those accounts and fold them into one coordinated retirement plan.

Where is your Charlotte office?

Our office is at 2015 Ayrsley Town Boulevard in Charlotte, and we meet clients in person or by video, whichever you prefer.