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Cedar Capital Advisor

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— Who We Help —

Built for families who want clarity — not products.

While every family’s circumstances are unique, the questions are often the same: Am I making the right decisions? Am I prepared for what’s next? How do I make the most of what I’ve built?

— Our Best Fit Clients —

We work best with people who:

  • Retired or within 10 years of retirement
  • Have invested $500k- $1M+
  • Want comprehensive advice — not product sales
  • Value having one trusted advisor coordinating everything
Based in Glen Ellyn, but flexible to meet the needs of our clients.

— Who We Serve —

Families at every stage of the journey.

These are the questions clients bring to us most often. They’re the questions that keep people up at night — and the ones we’re built to answer.

Pre-Retirees

Within 10 years of retirement and want to know — with confidence — when you can stop working.

As retirement gets closer, financial decisions become more impactful and the margin for error gets smaller. We help pre-retirees turn uncertainty into a clear plan by answering questions such as:

  • Am I financially ready to retire when I want to?
  • How much can I safely spend in retirement without running out of money?
  • Should I pay off my mortgage before retiring?
  • When should I claim Social Security benefits?
  • How do I transition from saving for retirement to generating income from my portfolio?
  • What healthcare and Medicare costs should I be planning for?
  • Are my investments positioned appropriately for retirement?
  • How can I reduce taxes on retirement income and withdrawals?
  • What happens if markets decline just before or shortly after I retire?
  • Do I have a plan in place for my spouse and family if something unexpected happens?

Our approach: We bring together retirement projections, investment strategy, tax planning, and income planning into a coordinated roadmap so you can move toward retirement with greater clarity and confidence.

Retirees

Already retired and looking for tax-aware income, withdrawal strategy, and ongoing coordination.

Retirement brings a new set of financial decisions. The focus shifts from accumulating wealth to creating sustainable income, managing taxes, and ensuring your financial plan continues to support the lifestyle you’ve worked hard to build.

  • How much can I safely withdraw from my portfolio each year?
  • Which accounts should I draw from first to minimize taxes?
  • How do I balance income needs with long-term portfolio growth?
  • When and how should I take Required Minimum Distributions (RMDs)?
  • Are there opportunities to reduce taxes through Roth conversions or charitable giving strategies?
  • How should I manage healthcare, Medicare, and long-term care considerations?
  • What adjustments should I make during periods of market volatility?
  • How can I ensure my spouse and family are protected if something happens to me?
  • Is my estate plan aligned with my current goals and wishes?
  • Am I making the most of the assets I’ve worked a lifetime to build?

Our approach: We coordinate income planning, investment management, tax strategy, healthcare considerations, and estate planning into a comprehensive retirement strategy designed to help you enjoy retirement with confidence while preserving flexibility for whatever comes next.

Business Owners

Planning for an exit, sale, or succession — and want every financial decision working together.

For many business owners, the business represents both a primary source of income and their largest financial asset. Whether you’re preparing for a future sale, transitioning leadership, or simply building enterprise value, thoughtful planning can help maximize opportunities and avoid costly surprises.

  • How much is my business worth today, and what drives that value?
  • Am I financially independent of my business, or too reliant on it?
  • What should I be doing now to prepare for a future sale or exit?
  • How can I minimize taxes when I eventually sell my business?
  • What are my options for succession planning within the family or management team?
  • How should I balance investing in the business versus building personal wealth?
  • Do I have the right retirement and cash flow plan beyond the business?
  • How can I protect my family, employees, and business from unexpected events?
  • What should I do with the proceeds if I sell my business?
  • Are my legal, tax, and financial advisors working toward the same objectives?

Our approach: We help business owners connect personal and business planning into a single strategy, coordinating investment management, tax planning, retirement readiness, risk management, and exit planning to help ensure every decision supports both your business goals and long-term financial future.

Successful Families

Multi-generational planning, estate coordination, and a trusted Personal CFO who answers the phone.

As wealth grows, so does financial complexity. Many successful families find themselves coordinating multiple accounts, advisors, tax considerations, and long-term family goals. We help simplify that complexity by serving as a central point of coordination and trusted advice.

  • Are all of my financial decisions working together toward the same goals?
  • How much is enough, and what should we be doing with the excess?
  • Do our investments, tax strategy, and estate plan align with one another?
  • How can we transfer wealth to the next generation efficiently and intentionally?
  • Are we taking advantage of available tax planning opportunities?
  • How should we think about charitable giving and philanthropic goals?
  • What conversations should we be having with our children about money and family wealth?
  • Do we have the right protections in place for our family and assets?
  • Are our attorneys, accountants, and other advisors coordinated and working from the same plan?
  • Who can we call when an important financial decision needs to be made?

Our approach: We serve as a Personal CFO for your family, coordinating investment management, tax planning, estate strategy, insurance reviews, and major financial decisions into a unified plan. Our goal is to provide clarity, simplify complexity, and help your family make confident decisions today while preparing future generations for tomorrow.