WISDOM IN WEALTH
Your Retirement Planning,
Optimized
Comprehensive wealth management for pre-retirees and retirees. We help coordinate investments, tax planning, Social Security, and estate planning through a clear, evidence-based process.
• CPA
Certified Public Accountant
• CFA®
Chartered Financial Analyst
• Fee-Only
Fiduciary Advice
Comprehensive wealth management means coordinating the decisions that matter most:
When can I retire?
Clarifying your retirement date, spending capacity, and the key trade-offs before and after leaving work.
How do I minimize taxes?
We help clients evaluate Roth conversions, Social Security claiming strategies, withdrawal sequencing, and IRMAA planning to reduce lifetime taxes and keep more of what they’ve earned.
How should I invest?
We build and manage unique portfolios tailored to your goals, risk tolerance, tax situation, and retirement income needs.
Why Sophos
A Retirement Plan Built Around the Decisions That Matter
Could you retire two years earlier? How much could you comfortably spend, and which accounts would you draw from first? Questions like these take more than just a portfolio balance to answer. How you invest, when you claim Social Security, and your tax strategy all affect your options.
At Sophos Wealth Management, those decisions come together in one coordinated retirement plan. We help you understand the trade-offs and build a strategy where your investment, income, and tax decisions work together.
Meet Your Advisor
An Advisor Who Thinks Like an Analyst
I’m Scott Caufield, CFA, CPA, and founder of Sophos Wealth Management. Most advisors bring either an investment background or a planning background. I built Sophos to bring both — because the decisions that matter most in retirement sit at the intersection of the two.
My background as a CFA charterholder shapes how I evaluate markets, risk, and portfolio construction. My background as a CPA helps me assess the tax implications of Roth conversions, withdrawals, charitable giving, and other financial decisions. I draw on both when developing your plan and managing your investments.
I like to dig into the numbers, question assumptions, and compare approaches before making a recommendation. My job is to explain what I recommend and why, answer your questions, and help you make informed decisions as your life changes.
Resources
Your next step
Let’s talk about
your retirement
Schedule a free introductory call to discuss your situation, ask questions, and learn how I work with clients. We’ll talk about what you’re looking for and whether Sophos Wealth Management would be a good fit.
A conversation about your goals
and how I can help