ABOUT US

Mike Roberts is the founder and president of CPT Wealth Strategies, bringing over 4 decades of experience helping clients “PLAN to succeed” with smart, safe, and strategic financial guidance.

Mike is a trusted expert in insurance risk transfer, working with high-net-worth individuals, family offices, bsuinessess and labor unions to:

• Optimize premium allocation and policy ownership
• Structure premium financial and funding strategies
• Improve policy performance for both active and retired employees

CPT wealth strategies provides personalized solutions in:

• Key person and business continuity planning
• Estate and succession planning
• Salary continuation and executive benefit programs
• Long-term care planning for asset and dignity protection

At CPT Wealth, we believe your transition to retirement shouldn’t be filled with financial anxiety. After years of hard work and disciplined saving, your primary challenge shifts from growing your wealth to protecting and distributing it sustainably.

Our mission is to help you navigate this transition smoothly by building a personalized blueprint that ensures a stable, secure, and tax-efficient lifetime income.

The following case study illustrates how we approach retirement wealth optimization for our clients. (For illustrative purposes only).

• The Challenge: A client came to us at age 60, nearing retirement. He needed to review his existing investments to ensure they could successfully support his upcoming lifestyle and long-term goals.
• The Analysis: We conducted a comprehensive assessment of his financial situation, risk tolerance, and time horizon. Together, we identified three core objectives: generating consistent income, mitigating downside market risks, and preserving long-term growth potential to outpace inflation.
• The Blueprint: We designed and implemented a customized Strategic Asset Allocation Plan:

1. Stability Through Diversification: We spread investments across diverse sectors, regions, and investment styles to insulate his portfolio from single-market fluctuations.

• • 1. Reliable Income Generation: We allocated a dedicated portion of the portfolio to high-quality fixed-income assets and dividend-paying equities, securing a reliable income stream to fund his daily life.
    2. Growth and Capital Appreciation: To prevent inflation from eroding his purchasing power, we maintained a calculated exposure to large-cap, mid-cap, and international equities.
    3. Proactive Risk Management: By establishing strict portfolio rebalancing thresholds, we ensured his investments stayed aligned with his goals while seizing new market opportunities safely.

• The Outcome: The strategic plan successfully optimized his retirement wealth, providing the perfect balance of downside protection, consistent income, and sustainable growth potential.

A truly secure retirement requires looking at the complete financial picture. We guide you step-by-step through the four critical pillars of retirement planning:

Step 1. Crafting a Realistic Retirement Budget

Your monthly expenses will change dramatically once you leave the workforce. While commuting costs may go down, spending on travel, hobbies, and leisure often increases. We help you calculate a comprehensive budget—factoring in both needs and lifestyle desires—to ensure your envisioned retirement is fully sustainable.

Step 2. Optimizing Social Security Benefits

When you choose to claim Social Security permanently locks in your benefit amount for life. Filing early at age 62 results in a permanent reduction of up to 30%. Conversely, delaying benefits up to age 70 increases your payout by 8% for each year you wait. We build a personalized claiming strategy to maximize your lifetime distributions.

Step 3. Managing Healthcare and Long-Term Care Costs

Healthcare is frequently a retiree’s largest underestimated expense, with the average 65-year-old couple facing roughly $330,000 in lifetime medical costs.

• Medicare Gaps: While Medicare coverage begins at age 65, it does not cover everything. Parts A, B, C, and D all come with differing rules, premiums, and out-of-pocket costs.
• Long-Term Care Realities: Data shows that roughly 70% of retirees will require long-term care, nursing facilities, or home care—none of which are covered by standard Medicare. We help you insulate your wealth from healthcare crises through tax-advantaged tools like Health Savings Accounts (HSAs), dedicated asset earmarking, or strategic asset-based long-term care insurance riders.

Step 4. Tax-Efficient Investments and Legacy Planning

Securing your wealth means planning ahead for Required Minimum Distributions (RMDs) and mitigating potential tax spikes. We proactively structure your assets into tax-deferred or tax-free vehicles to protect your income from unnecessary penalties. Concurrently, we review your estate plan—ensuring your wills, powers of attorney, and beneficiary designations are fully updated for seamless legacy preservation.