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Retirement Planning Services

Planning for retirement is a journey that spans setting long-term goals, transitioning smoothly out of the workforce, and enjoying a financially secure life once you get there. At the Montgomery Grunwald Group, we help you build a comprehensive plan to pursue your future goals and financial independence.

Request a Retirement Planning Consultation
CFP® ProfessionalsCertified Financial Planner practitioners on the team
Backed by BairdRobert W. Baird & Co., Member NYSE/SIPC
Rooted in CanonsburgServing Pittsburgh and the South Hills
Client Interests FirstDoing what is in the best interest of our clients

Retirement Planning Built Around Your Goals

Retirement is not a single decision. It is a series of connected choices about when to stop working, how to turn savings into income, when to claim Social Security, and how to manage taxes along the way. Made well and made together, those choices give you confidence. Made separately, they can work against each other.

The Montgomery Grunwald Group is a local Canonsburg team serving families across Pittsburgh and the South Hills. We lead with planning: we get to know you, your family, and what you want your retirement to look like, then we build a written plan that ties income, investments, taxes, and legacy together. Our advisors are CERTIFIED FINANCIAL PLANNER® professionals, and Adam Hubert also holds the Chartered Financial Analyst® designation, so the plan behind your retirement is grounded in real experience.

Whether you are ten years out and want a roadmap, or already retired and want to be sure your income will last, we can help you see the whole picture and move forward with a plan you understand.

Why Retirement Planning Matters More Than Ever

Retirements are longer, and more of the responsibility for funding them now rests with you rather than an employer pension. A written plan is what turns that responsibility into a clear set of decisions instead of an open question.

30+ years

A 65-year-old today can expect to live roughly two more decades on average, and a meaningful share will live past 90, according to the Social Security Administration. Your plan needs to fund a retirement that could last thirty years or more.

Up to 85%

Depending on your total income, up to 85% of your Social Security benefits can be subject to federal income tax, per the Internal Revenue Service. How and when you draw from your accounts affects that number.

Age 73

Under current IRS rules, required minimum distributions from most tax-deferred retirement accounts generally begin at age 73. Planning ahead for those withdrawals can help manage the tax bill they create.

Each of these facts points to the same thing: the sequence and timing of your retirement decisions matter as much as how much you have saved. That is where a coordinated plan earns its keep.

How We Help You Plan For Retirement

Retirement planning covers a lot of ground. We bring the pieces together into one coordinated plan, and each area below connects to the next.

Retirement Income Planning

We map your projected expenses against every income source, Social Security, pensions, and your own accounts, then build a withdrawal approach designed to make your money last through a long retirement.

Social Security Timing

When you claim can change your lifetime income meaningfully. We model different claiming ages alongside the rest of your plan so the timing fits your whole picture, not just one benefit.

401(k) Rollover Decisions

Leaving a job or retiring raises the question of what to do with your workplace plan. We walk through your options and the trade-offs in fees, investments, and taxes before anything moves.

Learn More About 401(k) Rollovers

Roth Conversions

Converting tax-deferred savings to a Roth account in the right years can shape your future tax bill. We help you weigh whether, and when, a conversion fits your retirement plan.

Learn More About Roth Conversions

IRA Planning And Comparison

Traditional, Roth, rollover: the right IRA structure depends on your income, your timeline, and your tax situation. We help you compare the choices and coordinate them with your other accounts.

Learn More About IRA Plan Comparison

Retirement Planning Workshops

We host educational sessions on the decisions that shape a secure retirement. They are a low-pressure way to learn the fundamentals before you decide whether to talk one on one.

Learn More About Retirement Planning Workshops

Retirement planning is one part of a coordinated whole. See how it fits within our Comprehensive Financial Planning approach.

Why Pittsburgh Families Trust Us With Retirement

Choosing an advisor for retirement is really about deciding whom to trust with the plan your family will live on. Our value comes from experience, planning-led advice, and a standard of care built on doing what is in the best interest of our clients.

We are a local Canonsburg team with the resources of a national partner behind us, so you get a personal relationship close to home and the depth of a large firm in the same place.

  • Planning-Led Advice

    We start with your goals and build the plan first, so investment and retirement decisions serve the plan rather than the other way around.

  • Backed By Robert W. Baird & Co.

    Securities, products, and services are offered through Robert W. Baird & Co. Incorporated, Member NYSE and SIPC.

  • CFP® And CFA® Credentials

    Our advisors are CERTIFIED FINANCIAL PLANNER® professionals, and Adam Hubert also holds the CFA® charter.

  • Coordinated, Not Piecemeal

    Retirement, investments, tax, and estate strategy are managed together, so no part of your plan works against another.

Benjamin Montgomery, CFP

Benjamin Montgomery, CFP®

Financial Advisor

A CERTIFIED FINANCIAL PLANNER® professional who began his wealth management career in 2005 and joined Baird in 2022, Ben helps clients tailor plans focused on retirement, tax, and estate planning.

Joseph Grunwald, CFP

Joseph Grunwald, CFP®

Financial Advisor

A CERTIFIED FINANCIAL PLANNER® professional who leverages Baird's resources in estate, tax, and income planning, Joe is focused on client dedication and long-term relationships.

Adam Hubert, CFP, CFA

Adam Hubert, CFP®, CFA®

Financial Advisor

A CFP® professional and CFA® charterholder who has drafted hundreds of financial plans, Adam tailors strategies focused on retirement, tax, and estate planning for each client.

Areas We Serve

Our office sits in Canonsburg, at the heart of the South Hills, and we work with retirees and pre-retirees throughout the greater Pittsburgh region. If you have been searching for retirement planning near you, we are close by and glad to meet in person.

Communities We Serve

Canonsburg Peters Township Upper St. Clair Mount Lebanon South Fayette Collier Township South Park Baldwin Bethel Park Greater Pittsburgh

Start A Conversation About Your Retirement

If you want a clear, coordinated plan for your retirement, income you can count on, taxes managed with intention, and a strategy you understand, we would welcome a conversation. There is no pressure and no obligation, just a chance to talk through your goals and see how we work.

Request a Retirement Planning Consultation Prefer to talk now? Call 412-633-1757

Reaching out does not create an advisory relationship. It simply starts a conversation.

Frequently Asked Questions

When should I start retirement planning?

The earlier the better, but it is rarely too late to improve your position. Many people we work with begin serious planning in their fifties and early sixties, when decisions about Social Security timing, account withdrawals, and healthcare costs carry the most weight. If you are within ten years of retirement, that window is a good time to build a written plan you can follow.

How much do I need to retire?

There is no single number that fits everyone. The amount depends on the income you want in retirement, your other income sources such as Social Security or a pension, your expected expenses, and how long your money needs to last. We start by mapping your projected income against your projected spending, then adjust the plan so the two stay in balance through a long retirement.

What should I do with my 401(k) when I retire or change jobs?

You generally have a few options: leave the balance in your former employer's plan, roll it into an IRA, move it to a new employer's plan, or take a distribution. Each choice affects your investment options, fees, and taxes differently. We walk through the trade-offs for your situation before anything moves, so the decision fits your broader retirement plan rather than being made on its own.

How does Social Security fit into a retirement plan?

Social Security is one of the largest decisions in most retirement plans. According to the Social Security Administration, monthly benefits are permanently reduced if you claim before your full retirement age and increase for each year you delay past it, up to age 70. We model different claiming ages alongside your other income so you can see how timing affects your lifetime income and your taxes.

Will you coordinate retirement planning with my taxes?

Yes. Taxes affect nearly every retirement decision, from which accounts you draw from first to whether a Roth conversion makes sense in a given year. We coordinate the retirement plan with your tax picture and work alongside your tax professional. Baird does not provide tax or legal advice, so we keep your CPA or attorney involved where their guidance is needed.




Retirement Planning

Retirement Planning Services In Pittsburgh PA

Planning for retirement is a journey that encompasses setting long-term financial goals, transitioning smoothly into retirement, and enjoying a financially secure life during retirement. At the Montgomery Grunwald Group, we help you build a comprehensive plan to meet your future goals and ensure financial independence. Get organized, put a plan in place, and invest according to your time horizon. 


Learn more

Why Choose The Montgomery Grunwald Group?


1. Personalized Retirement Planning

Understanding Your Goals: We begin by understanding your individual retirement goals. Whether you aim to travel the world, start a new venture, or spend more time with family, we tailor our strategies to meet your specific needs. 

Customized Strategies: Our retirement planners create personalized strategies that align with your long-term financial goals. We consider your current financial situation, risk tolerance, and future aspirations to develop a plan that works for you.


2. Transitioning to Retirement

Smooth Transition: Transitioning to retirement can be challenging. Our advisors provide guidance on managing this transition, helping you successfully approach retirement planning in Pittsburgh and beyond.

Income Strategies: We develop income strategies to ensure you have a steady flow of income during retirement. This includes managing pensions, social security benefits, and investment portfolios.


3. Financial Independence and Security

Comprehensive Planning: Our comprehensive approach covers all aspects of retirement planning, including healthcare costs, tax planning, and estate planning. We aim to provide a holistic solution that ensures your financial security.

Peace of Mind: With our expertise, you can have peace of mind knowing that your retirement planning advisor is dedicated to helping you achieve financial independence and a secure future. 

Key Retirement Planning Services Offered


Retirement Planning 

Goal Setting: Identifying and prioritizing your retirement goals.
Investment Management: Creating and managing a diversified investment portfolio tailored to your risk tolerance and retirement timeline.


Retirement Transition

Income Planning: Ensuring a steady income stream through pensions, social security, and investments.
Healthcare Planning: Preparing for healthcare expenses and long-term care needs.


In-Retirement Support

Ongoing Advice: Providing continuous support and adjustments to your retirement plan as needed.
Estate Planning: Helping you create a legacy plan that reflects your wishes and protects your loved ones.

Frequently Asked Questions

Can I retire when I want to?
Your timeframe and current financial situation will play heavily into this question. By working with a retirement planning advisor, you can set and pursue realistic retirement goals to retire at the time you desire. Our comprehensive plan will answer this question, and provide alternative solutions to map out your ideal retirement date. 

Where will my retirement money come from?
Your retirement money can come from various sources including savings, investments, pensions, Social Security benefits, and other retirement accounts. At the Montgomery Grunwald Group, we work with you to create as many reliable streams of income as possible for your retirement. 

Will I deplete my investments?
With careful planning and a regular review of your financial strategy, we help you manage your investments to provide a steady income without spending down assets too quickly. Serious retirement planning is the key!

Achieving Long-Term Financial Goals

Achieving Long-Term Financial Goals

At the Montgomery Grunwald Group, we believe in proactive and strategic planning to help you achieve your long-term financial goals. Our retirement planning advisors are committed to providing you with the tools and knowledge needed to pursue your dreams and enjoy a fulfilling retirement.

Ready to Start or Review Your Retirement Plan?

Ready to Start or Review Your Retirement Plan?

Ready to start planning for your retirement? Whether you have already started planning or are new to mapping out financial goals, we can help! Contact the Montgomery Grunwald Group to schedule a consultation with a retirement planning advisor in Pittsburgh. Let us help you pursue your retirement goals with confidence and clarity.

Find Out How We Can Help With Your Retirement Journey

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