Wealth guidance

for retirees and

near-retirees

A boutique wealth advisory firm focused on optimized, tax‑efficient income, wealth protection, and legacy design.

Our First Principles approach aligns your wealth with what matters most to you.

Portfolio Waterfall™

Guard your income from volatile markets

Taking withdrawals by selling investments can wreck your portfolio. The Portfolio Waterfall flows capital gains, dividends, and interest payments into a cash account for withdrawals.

Position your portfolio for more growth opportunities

By not selling shares for income, the Portfolio Waterfall positions you for more growth when markets recover.

Reduce the risk of running out of money

The Portfolio Waterfall increases its ability to provide income as markets correct, unlike conventional portfolios.

A new life is discovered when money flows across your portfolio creating a waterfall effect.


Annual Income Withdrawal Amounts


Traditional Strategies = 3-4%
Portfolio Waterfall™ = 6-8%

Founder’s Story: The Why Behind Arrival Point Financial

I grew up in a family that knew both the cost of loss and the value of legacy.

My parents fled Cuba after it fell to communism—leaving behind their home, their livelihoods, and the chance to ever see their parents again. They rebuilt their lives from nothing, in a country that promised freedom but offered no guarantees.

Watching them start over taught me two things: that wealth is fragile without protection, and that legacy is about far more than money—it’s about honoring the sacrifices that came before you.

From a young age, I was fascinated by the financial markets—the way they could build, preserve, or erase fortunes depending on knowledge and discipline. When I chose to serve the public as a financial advisor, it wasn’t just a career decision—it was a calling born from my family’s history.

My mission became clear: to help ensure that no family I serve would ever experience the kind of catastrophic loss my parents endured. That’s why Arrival Point Financial exists—to help people safeguard what they’ve built, design the legacies they envision, and find the peace of knowing their future is secure.

I believe retirement can be the most meaningful chapter of a person’s life—a time when your story, your values, and your legacy can truly come alive. Every client I work with has a story worth preserving, and by freeing them from the financial worries and costly mistakes that often define retirement, they are empowered to craft a life that reflects their dreams, goals, and aspirations.

For me, that’s what legacy is all about: not just leaving something behind, but living fully today—secure, confident, and with purpose.

Miguel A. Castaneda

What we do

Tailored planning for reliable income today, an empowered retirement, and legacy tomorrow.

Social Security timing

Retirement income maximization

Tax-aware rebalancing

Roth Conversion scheduling

NIIT & IRMAA plannng

RMD optimization

Charitable Trust guidance

Estate flowchart

Gifting playbook

Customized financial planning

Risk guardrails

low complexity, high clarity

Income riders explained

IUL stress tests

Long Term Care strategies

Rental income transitioning

Small Business transition planning

Education planning

Free Guide: 7 Mistakes That Shrink Retirement Income

Get a concise, plain-English checklist to avoid common tax and withrawal pitfalls. We'll send the PDF instantly.

  • Tax bracket management & Roth conversion timing

  • NIIT & IRMAA thresholds that catch retirees off guard

  • Withdrawal sequencing that protects principle

Our Approach

Simple rules. Transparent math. Regular check-ins. We implement, monitor, and adjust so you can live your plan.

Discover

Map goals, income needs, taxes, and aspirations.

Design

Craft the tools the deliver your ideal retirement.

Deploy

Transition accounts, set guardrails, automate income.

Review

Quarterly tune-ups, annual tax review, and life-event adjustments.

Know Where You Stand

A simple, yet powerful, financial plan that you can actually understand and share with your family.

The foundation of an empowered retirement is a usable financial plan. Crafting a plan that fits your priorities is our priority one.

We build a custom Asset-Map report for all of our clients and use it throughout our interactions to make sense of priorities and intentions, as well as identify gaps and areas of risk.

It takes just 15 minutes to get started.

(215) 857-9241

7900 High School Road, Elkins Park, PA 19027

BrokerCheck

Information presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security. Investments involve risk and unless otherwise stated, are not guaranteed. Arrival Point Financial LLC is not in the business of providing tax advice. Consult a professional tax advisor before implementing any investment strategy.

Securities and Investment Advisory Services offered through Simplicity Investments. Securities Dealer, Member FINRA/SIPC; TLG Advisors, Inc. Registered Investment Advisor; 475 Springfield Ave, Summit, NJ 07901 (303) 797-9080. Arrival Point Financial LLC is not affiliated with Simplicity Investments.

Ready when you are. Book a 15-minute introductory call.