Retire with Clarity
& Confidence.
We help high-achieving professionals and couples build retirement plans that actually work — through markets, through life, and through every season that follows.
Connecting Your Money
to What Matters Most
Our primary focus is to deliver the results that matter most to our clients — family-focused individuals and couples motivated by the opportunity to experience a retirement that's both financially secure and personally fulfilling.
Over two decades, we've consulted with thousands of aspiring retirees. Through that experience, we've identified three core outcomes that guide every plan we build.
Income Clarity
So you never wonder: "Can we afford this?" We build a reliable income floor so your lifestyle is funded — and your spending is guilt-free.
Risk Containment
So no single event can derail the plan. We stress-test your retirement against the scenarios that actually break people — not just the average ones.
Lifetime Efficiency
So more money stays where it belongs. We coordinate taxes, withdrawals, and asset location so your wealth works harder over decades.
20+
Years helping families retire with confidence
Fiduciary
Advisor
Most financial plans are built around a portfolio. The SMART Retirement Blueprint® is built around your life — your vision, your income, your protection, and your legacy.
Vision & Values
Every great retirement plan begins with a clear picture of what you want your life to look like. Before any numbers are run, we guide you through a structured discovery process to define what matters most — your purpose, your relationships, your freedom, and what a truly fulfilling retirement means to you.
Secure Your Foundation
Before any investment strategy is built, the foundation must be solid. We establish an income floor through SS optimization and pension planning, ensure short-term liquidity, and protect your family through life insurance and estate coordination.
Medical & Healthcare Plan
Healthcare is consistently the most underestimated retirement expense. We plan across three stages: bridging the gap before Medicare, Medicare enrollment and plan selection, and long-term care and impairment planning.
Asset Management
Every dollar should be working the right job, in the right place, at the right time. We use a Fiscal House framework — Foundation (safety), Walls (growth and income), and Roof (long-horizon legacy assets) — with tax-efficient asset location.
Risk Management
Retirement doesn't fail on average — it fails at the extremes. We systematically identify and build guardrails around longevity risk, sequence-of-returns risk, healthcare cost escalation, spousal loss, and tax law changes.
Tax-Conscious Planning & Legacy
Taxes are the largest expense most retirees never fully plan for. We coordinate tax location, Roth conversions, RMD planning, bracket management, and tax-efficient legacy strategies so more of your wealth stays where it belongs.
From First Conversation to Confident Retirement
Vision
Map your ideal retirement outcome. Gain clarity around your specific goals and what you want your life to look like.
Assessment
Determine personal benchmarks. A detailed analysis of where you are today compared to where you want to be.
Blueprinting
Build your custom SMART Retirement Blueprint® — a comprehensive, coordinated plan built around your life.
Execution
Break ground and lay your plan foundation. Begin implementation with a focused 6-month runway and clear priorities.
"Retirement is not an end. It's the beginning of the life you've been working toward."
— Jason Rindskopf, WMCP®, RICP®
True Wealth Is More Than a Number
At Two Waters, we believe that financial planning should serve your life — not the other way around. Our Total Wealth approach addresses the four dimensions that together define a truly rich retirement.
Lifestyle-Focused Financial Plan
A comprehensive financial strategy aligned with your ideal life plan, not just your balance sheet.
Health & Wellbeing
Invest in your healthspan — strategies for prevention and protection as you age with dignity and independence.
Relationships
Prioritize the people who matter most. Your retirement plan should create space for deeper connections.
Purposeful Activity
Retirement is your opportunity to contribute, create impact, and pursue what gives your life meaning.
What Our Clients Say
"I finally feel like I have a plan — not just a portfolio. Jason helped us see retirement as something we could actually look forward to, not just survive."
David & Karen M.
Huntersville, NC · Clients since 2019
"What I appreciate most is that Jason thinks about the whole picture. Taxes, healthcare, income, legacy — it's all connected. I didn't realize how much I was missing until we went through the Blueprint process."
Robert T.
Lake Norman, NC · Clients since 2020
"We came in thinking we just needed investment management. We left with a complete retirement plan. The difference is remarkable."
Susan & Mark H.
Charlotte, NC · Clients since 2021
How Retirement-Ready
Are You, Really?
Most people approaching retirement have a portfolio — but not a plan. Our Retirement Readiness Scorecard evaluates your income strategy, tax exposure, healthcare plan, and risk profile to reveal exactly where you stand and what to address first.
No email required to start · Results in minutes
5 min
to know where you stand
SMART Retirement Blueprint® Assessment
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Survive the Crash
Recession-Proof Your Retirement: Strategies to Protect Your Wealth and Secure Your Future
In this essential guide, Jason Rindskopf shares the strategies he uses with real clients to protect retirement wealth during market downturns — so you can stop worrying about the next crash and start building a plan that holds up in any economic environment.
Jason Rindskopf
WMCP® · RICP®
Author & Retirement Strategist
Your Retirement Deserves
More Than a Generic Plan.
Schedule a free Retirement Brainstorm Session. We'll explore your goals, identify gaps in your current plan, and show you what a SMART Retirement Blueprint® could look like for you.
No cost · No obligation · No sales pitch