3 Retirement Mistakes That Could Cost You Up To 50% Of Your Household Income And Potentially Double Your Tax Bill

Discover why the retirement you built for your 2-person marriage may work very differently when there is only one of you left.

Schedule Your No-Cost Retirement Income Review

Our retirement income planning process is designed for married couples aged 55+ with $1 million or more saved for retirement.

See What Clients Say About Working With Jos Worrell

Real clients. Real experiences. No actors or paid testimonials.

★★★★★ 5-Star Google Reviews

"gave us confidence we won't outlive our money"

“Jos helped me figure out how to actually take income from our retirement accounts without getting killed on taxes. We had saved for 35 years but nobody ever showed us how to take it out. His income plan gave us confidence we won't outlive our money.”

- Simmone Hayes

" It felt like he was the quarterback of our financial life"

“One of the things we appreciated most about working with Jos is that he took the lead in coordinating all the moving parts of our financial planning. He worked directly with our CPA and estate attorney, making sure everyone was on the same page and that nothing slipped through the cracks. It felt like he was the quarterback of our financial life, especially as we approached retirement. Having that level of guidance and organization gave us real peace of mind.”

- Steven Williams

"Professional, responsive, and genuinely cares"

"“Professional, responsive, and genuinely cares. Jos took the time to understand our whole picture, taxes, estate, insurance, investments, not just our portfolio. Best financial decision we've made.”

- Jemal Hayes

Nearly 20 Years Of Wealth Management Experience

Before founding Grove Wealth Solutions, Jos Worrell spent nearly two decades helping individuals and families navigate investing, wealth management, and retirement planning at some of the largest financial institutions in the country.

Former Vice President, Financial Consultant at Charles Schwab
Former Senior Financial Consultant at TD Ameritrade
Former Financial Advisor at E*TRADE, Merrill Lynch & Morgan Stanley
FINRA Arbitrator Since 2017
CFP® • CWS® • MBA

Experience Managing Complex Wealth. A Practice Built Around Your Entire Financial Life.

Why Retirees Choose Grove Wealth Solutions

Your Retirement Income Starts With Your Real Numbers

Retirement income decisions should not be built around rough assumptions about how much you will spend or how much your portfolio needs to produce.

We look at your income needs, taxes, account types, existing income sources, and other factors that can change how much retirement income you actually need and how your assets should provide it.

Your Entire Financial Picture, Working Together

Your investments, retirement income, taxes, insurance, and estate plan affect one another. They should not be planned in isolation.

Grove takes a coordinated approach to your financial life and can work alongside your CPA, estate attorney, and other professionals so important decisions do not fall through the cracks.

A Retirement Strategy Built For Both Of You

Most couples naturally focus on the retirement they expect to enjoy together. Your strategy also needs to account for what happens when only one spouse remains.

We consider how income, Social Security, taxes, ongoing expenses, and portfolio demands could change for the surviving spouse so either of you can be better prepared to carry the strategy forward alone.

You Built Your Retirement Together. Make Sure It Can Still Take Care Of Either Of You Alone.

You spent decades saving, investing, and building the wealth you hoped would give both of you a secure retirement.

Now it is time to make sure the income you are counting on can support the life you want together and leave either spouse prepared if one of you eventually has to carry that retirement forward alone.

No obligation. No pressure. Get a clearer look at the retirement income you are counting on and what it could mean for both of you.

See What Your Retirement Income Strategy Could Be Missing

If you have spent decades building your wealth, you deserve to know whether the retirement income you are counting on is based on the right assumptions and whether your strategy is prepared to support either spouse alone.

Schedule your No-Cost Retirement Income Review to get a second opinion on the income, survivor risks, and financial decisions that could shape the retirement ahead of you.

Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

The information presented on this website is for educational purposes only and is not intended as individualized investment, tax, or legal advice. Investing involves risk, including the possible loss of principal. Individual results and circumstances will vary.

Disclosures