Protect What You've Built, Before a Crisis Sets the Terms
Bespoke Retirement Advisors is an insurance-only practice in Lakewood, Colorado. We help business owners and high-income households shelter more income, build a retirement income floor, and plan the healthcare costs that follow you into retirement. Education first. A product only if it fits.
No cost. No obligation. 15 minutes.
The short answer
Most retirement plans are built in one direction: accumulate. The problems we are asked to solve are structural, and they are the ones accumulation does not fix. A business owner whose plan design caps what he can shelter. A household whose income depends entirely on markets. A Medicare surcharge set by a return filed two years ago. An estate with no cash to execute its own documents. We diagnose first, in a 15-minute call, and we tell you when the answer is no.
Start where you are
I am a business owner or executive
Start with plan design. The question is whether the structure you have is capping what you can shelter, and what a different design would change.
I am approaching or in retirement
Start with what is guaranteed. The question is how much of your income still arrives if the first ten years go badly, and what your Medicare surcharge will be.
I am a CPA or adviser
Start with the partner page. We do not prepare returns and we do not manage assets, so there is nothing here that overlaps with your practice.
The framework
Efficient Wealth Systems rests on one principle: protect what is still healthy, before a crisis forces your hand. It treats retirement wealth as seven separate exposures rather than one pool of money. You do not fix all seven at once. You find out which ones are open.
Owner Efficiency
Is how your business pays you aligned with how much you want to retire on?
Advanced Retirement Plan Design
What a cash balance or defined benefit design shelters that a 401(k) cannot reach.
Retirement Income
What portion of your income still arrives if the first ten years of retirement go badly.
Medicare and IRMAA
The income related surcharge on Part B and Part D, set by a return you filed two years ago.
Long-Term Care
The cost with the longest duration and the least warning, and how a family funds it.
Capital and Continuity Protection
Whether the plan survives you, and whether the estate can execute its own documents.
Why an insurance-only practice
We do not manage money, so we are not paid on the size of your account. We are not a registered investment adviser, we do not offer securities, and we do not provide portfolio or investment advice. We are paid by insurance carriers and by consulting arrangements, disclosed in writing with an effective date. You can read exactly how that works on our compensation page.
How it works
A 15-minute fit check
One call to confirm what you are trying to solve and whether a deeper review is worth your time. No cost and no obligation.
A diagnostic, not a pitch
If there is a fit, we look at the specific exposure and show you what a different structure would change. The numbers come from your situation, not from a template.
A decision you control
You decide whether to act, and in what order. Some people fix one pillar and stop. That is a legitimate outcome, and a common one.
Questions we get
What does Bespoke Retirement Advisors actually do?
We design retirement plans and plan the healthcare costs around them. That means cash balance and defined benefit plan design for business owners, guaranteed retirement income, IRMAA and Medicare cost timing, long-term care funding, income protection and continuity work. We are an insurance-only practice, so we do not offer securities, investment advice or portfolio management.
Are you a fiduciary or a registered investment adviser?
No, and the difference is deliberate. We are insurance-only and we are not a registered investment adviser. We do not manage assets and we do not charge a percentage of them. We are paid by insurance carriers and by consulting arrangements, all disclosed in writing with an effective date. We publish that before you have to ask.
What does the 15-minute fit check cost?
Nothing, and there is no obligation attached to it. It is an educational conversation. We confirm what you are trying to solve, identify the one or two biggest gaps, and decide together whether a deeper review makes sense. If it does not, we say so on the call.
Do you work alongside my CPA?
Yes, and that is the normal arrangement. We do not prepare tax returns and we do not do accounting, so your CPA keeps the client relationship. We coordinate with them and with your actuary or TPA so the plan design and the tax position agree with each other.
I am not a business owner. Is there anything here for me?
Yes. Three of the seven pillars apply to any household approaching retirement: retirement income, Medicare and IRMAA, and long-term care. The healthcare cost pillars are often the ones nobody has modeled.
Find out where you stand in 15 minutes
A short, no-pressure call to confirm what you are trying to solve, identify the one or two biggest gaps, and decide whether going deeper makes sense. If it does not, we will tell you that too.
Book a 15-minute fit check
Bespoke Retirement Advisors | Michael Gerali, CLU, ChFC | 1-877-237-7654 | bespokeretire.com
355 S. Teller St., Suite 200, Lakewood, CO 80226
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Protect What Is Still Healthy™
For educational and informational purposes only. Not investment advice. Insurance products and services provided by Michael Gerali, CLU, ChFC, Bespoke Retirement Advisors. Licensed insurance professional. Not a Registered Investment Advisor. We are an insurance-only practice. We do not offer securities, investment advisory services, or portfolio management, and we never recommend a specific security or investment.
Last reviewed October 2026.