Retirement Planning

Retirement is not a single decision. It is a series of connected choices about income, taxes, healthcare, and legacy that unfold over decades. As independent, fee-based fiduciary CFP^® professionals in Red Bank, NJ, we help individuals and business owners build a plan that turns a lifetime of saving into dependable retirement income.

Schedule a Retirement Planning Consultation Complimentary initial consultation at our Red Bank office

Fiduciary

Independent RIA, legally obligated to put your interests first

CFP^®

CERTIFIED FINANCIAL PLANNER™ professionals

Red Bank, NJ

Local advisors rooted in Monmouth County

50+ Years

Combined advisory experience

Planning for the Retirement You Have Earned

Most people spend thirty or forty years accumulating retirement savings and comparatively little time planning how to convert those savings into income that lasts. That gap is where costly mistakes happen: claiming Social Security at the wrong time, drawing from accounts in a tax-inefficient order, or carrying more market risk than a retirement timeline can absorb.

Our approach starts with your full picture rather than a single account. We map your income sources, your essential and discretionary spending, your tax exposure, and your goals for family and legacy, then build a strategy that coordinates all of them. Because we are an independent Registered Investment Advisory firm, our recommendations are made in your best interest, not tied to a product shelf or a sales quota.

Retirement planning looks different depending on where your wealth comes from. A business owner navigating the sale or succession of a company faces a different set of decisions than an employee rolling over a workplace plan. The pages below go deeper into each path.

Retirement Planning That Fits Your Needs

We tailor retirement strategy to your situation.

Retirement Planning for Individuals For employees, professionals, and families building retirement income from workplace plans, IRAs, and personal savings, with a focus on tax-efficient withdrawals and Social Security timing. Learn More About Retirement Planning for Individuals → Retirement Planning for Business Owners For owners whose retirement is tied to a company: coordinating a business exit, selecting the right retirement plan structure, and turning enterprise value into personal income. Learn More About Retirement Planning for Business Owners →

What a Retirement Plan Covers

Retirement Income Strategy

A withdrawal plan that sequences income across taxable, tax-deferred, and Roth accounts so more of what you saved reaches you rather than the IRS.

Social Security Timing

Modeling when to claim so your benefit works alongside the rest of your income. The Social Security Administration reduces benefits taken before full retirement age and increases them for delaying to 70. Learn more about maximizing Social Security benefits.

Investment Management

Portfolios built for a retirement timeline, balancing growth for later years against stability for the income you need now. See our investment management approach.

Tax-Efficient Drawdown

Coordinating Roth conversions, required minimum distributions, and account sequencing with your broader tax planning.

Healthcare and Longevity

Planning for Medicare decisions and the possibility of a long retirement, so a plan built at 65 still holds at 90.

Estate and Legacy

Coordinating beneficiary designations and wealth transfer with your estate plan so your intentions are carried out.

Why Work With Oceanic Capital

Retirement planning is where experience matters most, because the decisions are hard to reverse. Our two managing directors bring more than 50 years of combined experience and sit on the same side of the table as you, as fiduciaries of an independent advisory firm.

Thomas H. Yorke, CFP^®

Managing Director

A CERTIFIED FINANCIAL PLANNER™ professional with more than 30 years of institutional and retail investing experience across financing, fixed income, and portfolio diversification. A lifelong Monmouth County resident, Tom helps clients build and protect wealth heading into and through retirement.

Douglas J. Lyons, CFP^®, CFA^®, CDFA^®

Managing Director

A CFP^®, CFA^®, and CDFA^® professional with more than two decades of experience, Doug listens first, then partners with clients and their other advisors to arrive at a retirement strategy built around each client's goals.

Areas We Serve

Oceanic Capital serves individuals and business owners from our Red Bank office and across Monmouth County, New Jersey.

Red Bank

Middletown

Rumson

Little Silver

Fair Haven

Shrewsbury

Colts Neck

Holmdel

Monmouth County

Start Your Retirement Plan

Whether you are an individual mapping your income or a business owner planning an exit, a conversation is the first step. Request a complimentary consultation with a fiduciary CFP^® professional in Red Bank.

Schedule a Retirement Planning Consultation

Frequently Asked Questions

When should I start planning for retirement?

The best time is well before you retire, ideally in the years when you still have flexibility to adjust savings, tax strategy, and risk. That said, a plan is valuable at any stage. Clients within five to ten years of retirement often gain the most, because that window is when Social Security timing, withdrawal sequencing, and Roth conversion decisions carry the greatest weight.

How much do I need to retire?

There is no universal number. The right figure depends on your spending, your other income sources such as Social Security or a pension, your tax situation, and how long your retirement may last. Rather than chase a single target, we model your actual expenses against your income sources so you can see whether your plan holds under different market and longevity scenarios.

Is retirement planning different for business owners?

Yes. For many owners, the business is the largest retirement asset, and its value is illiquid until a sale or succession. That adds decisions an employee never faces: choosing a plan structure such as a SEP, SIMPLE, or defined benefit plan, coordinating an exit, and converting enterprise value into personal income. Our retirement planning for business owners page covers this in detail.

How do you charge for retirement planning?

Oceanic Capital is a fee-based advisory firm. We charge a transparent fee based on the assets we manage for you rather than commissions on your investments, which keeps our interests aligned with yours. We may receive a commission only on certain insurance products, and we disclose that clearly. The initial consultation is complimentary.

Do you work with clients outside Red Bank?

Our office is in Red Bank, and we serve individuals and business owners across Middletown, Rumson, and the rest of Monmouth County. We provide advisory services where the firm is registered; reach out and we can confirm we are able to work with you.