PROUD SUPPORTER OF THE WINSTON-SALEM SYMPHONY

LIVING LIFE IN THE RIGHT KEY

A great retirement isn't about hitting one big note. It's composing something that plays beautifully, confidently, clearly, and is worth passing on.

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THE QUESTION MOST PLANS DON'T ANSWER

Most plans are built to last your lifetime. A legacy has to last longer.

By the time retirement is in view, you've usually done the hard part. You saved consistently. You invested. You built something worth protecting.

The next question is a different one, and it's the one many plans never fully answer. How do you turn what you've built into income for the years ahead, without handing over more of it in taxes than you need to, and still leave what you intend to leave?

Almost every decision in retirement carries a tax consequence. Which accounts you draw from first. When you claim Social Security. Whether a Roth conversion makes sense, and in which years. How assets pass to your children. Made one at a time, those decisions can quietly work against each other. Made together, they tend to work in your favor.

Every one of those decisions also shapes what your family eventually receives.

It's not just what you earn. It's what you keep. That's usually where we start with a new family.

A BOUTIQUE FIRM

WHO WE WORK BEST WITH

We're a boutique firm, and we're intentional about that. It means we're not the right fit for everyone, and we'd rather say so early.

Semmax works best with people who have built meaningful wealth and want to protect it:

Pre-retirees and retirees, generally between 55 and 75
Families with $500k or more in investable assets
Business owners preparing for a sale, a succession, or a liquidity event
Families thinking carefully about how wealth passes to the next generation
People who give to causes they care about and want that giving to be planned, not incidental

If that sounds like your situation, a conversation is likely worth your time.

COORDINATED STRATEGY

ONE PLAN, NOT SIX SEPARATE ONES

Most people we meet have pieces of a plan. An investment account here. A CPA who files the return in April. A will drafted a decade ago. Each piece may be fine on its own. The gaps tend to show up in between them.

We bring those pieces into a single strategy:

Retirement income. Deciding how and when to draw from your assets, so there's no guesswork.
Tax strategy. Looking at each decision through the lens of what you keep. We coordinate with your CPA.
Investments. Built around your goals and your timeline, not around market predictions.
Estate and legacy. Planning how wealth transfers to family. We coordinate with your attorney.
Risk and protection. Making sure an unexpected event doesn't undo the plan.
Charitable giving. Giving with intention, in a way that reflects both your values and your tax picture.

WHY FAMILIES CHOOSE SEMMAX

We've been serving Triad families since 2004. Many of the people who came to us then are still with us today, and some of their children are now families we work with too.

WHAT FAMILIES TELL US

MATTERS MOST

You work directly with your advisor. No call center, no rotating account teams.
We're strategy-first, not product-first. The plan comes before anything else.
We coordinate with the professionals you already trust. Your CPA, your attorney, your business advisors.
We act as a fiduciary on the advisory side of our business. Your interests come first, in writing.
We're local. Winston-Salem and Greensboro, with sophisticated planning capability.

NO PRESSURE, NO PREPARATION NEEDED

WHAT HAPPENS ON A DISCOVERY CALL

A Discovery Call is a short conversation with a member of our team. You don't need to gather documents or account statements beforehand.

We'll cover three things:

What's on your mind. Retirement timing, taxes, a business sale, a decision you've been putting off.
How we work. What planning with Semmax actually looks like, and what it costs.
Whether a longer conversation makes sense. Sometimes the answer is no, and that's a fine outcome.

LET'S COMPOSE A TAX-EFFICIENT RETIREMENT PLAN AS UNIQUE AS YOU ARE.

Schedule a Discovery Call with our team, or call our office at (336) 856-0080.