Tax-optimized strategies for high-net-worth individuals and families ready to leave work on their terms. Live the next 30 years with clarity, freedom, and a growing legacy.
Retiring at 50 isn't the same as retiring at 65. Your wealth needs to sustain decades of living—not just years. At Arrowstone Wealth, we specialize in the unique financial complexities facing high-net-worth individuals and families who refuse to wait until traditional retirement age to live life on their own terms.
As a fee-only fiduciary, our interests are directly aligned with yours. We earn no commissions, accept no third-party incentives, and answer to one authority: making your early retirement not just possible, but bulletproof.
A proven four-step process built specifically for high-net-worth individuals and families ready to retire ahead of schedule.
We start with your early retirement vision—when you want to step away, the lifestyle you expect, and the legacy you want to leave. We map every asset, income stream, and risk unique to retiring before 65.
We stress-test your early retirement across every scenario—healthcare before Medicare, tax-efficient withdrawal sequencing, Roth conversions, and portfolio construction built to sustain 30+ years of income.
From bridging the gap to Social Security, to tax-smart drawdowns, to repositioning concentrated stock positions—we implement every detail with the rigor that protecting a lifetime of wealth demands.
Early retirement is a 30-year journey, not a one-time event. We meet regularly, adapt to market shifts and tax law changes, and ensure your plan stays ahead of every curveball life throws.
Disciplined value investing designed for early retirees who need their portfolio to work harder and longer. We identify undervalued, high-quality companies through rigorous cash flow analysis—building portfolios that generate reliable income and compound wealth across decades of retirement.
Learn MoreThe centerpiece of what we do. We solve the problems unique to retiring before 65—bridging healthcare coverage before Medicare, optimizing Social Security timing, sequencing tax-efficient withdrawals, and structuring your estate so your family's wealth endures for generations.
Learn MoreFor business owners planning their own early exit, your company's 401(k) is a critical piece of the puzzle. We design affordable, personalized retirement plans that benefit your employees, maximize your own tax advantages, and position you for an earlier transition out of the business.
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A Washington native and former professional baseball draft pick, Cody brings the same discipline and focus that defined his athletic career to every client relationship. After six years managing portfolios for high-net-worth individuals at a premier Bellevue firm, he founded Arrowstone Wealth in 2014 with a singular focus: helping affluent individuals and families retire early with absolute confidence.
Cody earned his CFA designation in 2012 and operates as a registered fiduciary—meaning every recommendation is legally required to serve your best interest. His deep expertise in tax-optimized withdrawal strategies, pre-Medicare healthcare planning, and long-horizon portfolio construction makes him uniquely suited to the complexities of early retirement.
Your early retirement is too important for conflicted advice. Every decision we make is legally bound to serve your best interest—no commissions, no kickbacks, no product quotas.
Retiring before 59½ introduces penalty risks and withdrawal complexities most advisors overlook. Our framework navigates Roth conversion ladders, 72(t) distributions, and capital gains harvesting to minimize your lifetime tax burden.
Most retirement portfolios are designed for 15–20 years. Ours are stress-tested for 30, 40, even 50 years of distributions—because early retirees need a strategy that won't run out before they do.
Seventy percent of wealthy families lose their fortune by the second generation. We structure estates, trusts, and transfer strategies so the wealth you built doesn't disappear after you've enjoyed it.
Arrowstone Wealth is accepting new clients. Schedule a complimentary discovery call to find out exactly what it will take to retire on your terms—and whether we're the right team to get you there.
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