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sean@serenitywm.com
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Retirement Planning in Wisconsin

A retirement plan should turn the savings you have worked for into dependable income for the years ahead. Our advisors build tax-aware retirement strategies for individuals and families in Southeastern Wisconsin, with recommendations made in your best interest.

Request a Retirement Planning Consultation Call (262) 382-3290
  • FiduciaryObligated to act in your best interest
  • CFP® ProfessionalsRigorous certification standards
  • Comprehensive PlanningIncome, Social Security, and Tax Strategies
  • Local OfficeSalem Lakes office, serving Kenosha County

Retirement Planning for Southeastern Wisconsin Families

Retirement turns a lifetime of saving into a different challenge: making that money last. The goal shifts from building the balance to drawing a dependable income from it, one that keeps up with rising costs and holds through a long retirement. That is work for a written plan, not a once-a-year check-in.

We work with families across Kenosha County and southeastern Wisconsin, including many who live in Wisconsin and work across the Illinois line, to coordinate withdrawals, Social Security, taxes, and investments into one strategy. Every recommendation we make is given in your best interest.

Why Retirement Planning Matters

Wisconsin's treatment of retirement income, and the many households that cross the Illinois line, make a coordinated plan worth the effort.

$11,250

2026 catch-up limit for ages 60 to 63 (IRS)

Age 73

Age required minimum distributions begin, rising to 75 in 2033 (IRS)

$0

Wisconsin tax on Social Security benefits (Wisconsin Department of Revenue)

Our Wisconsin Retirement Planning Services

Retirement planning is most effective when your income, taxes, and investments are handled as one plan. These are the areas we focus on for families across southeastern Wisconsin.

Retirement Income Planning

We turn your accounts into dependable income, mapping which to draw from and when so your money lasts and your taxes stay manageable.

Social Security Timing

We model claiming ages against your other income, including Wisconsin's treatment of benefits, so you can decide when to file with the full picture.

Tax-Aware Withdrawals and Roth Conversions

We plan around Wisconsin's retirement income subtraction and any Illinois income, sequencing withdrawals and conversions to smooth your taxes.

401(k) and IRA Rollovers

We help you consolidate old employer plans, including accounts held across the Illinois line, and decide what to do with each.

Investment Management

We manage a portfolio matched to your income needs and risk tolerance, and adjust it as you move from saving into spending.

Estate and Legacy Coordination

We coordinate beneficiaries and account titling with your attorney so your plan passes on the way you intend.

Why Wisconsin Families Work With Us

Choosing an advisor is really a decision about whom to trust with your family's future. Our value comes from experience, transparency, and a fiduciary standard of care that puts your interests first.

We are an independent, SEC-registered firm serving southeastern Wisconsin from Salem Lakes, so you get a direct relationship with your advisor and the accountability that comes with the fiduciary standard.

  • Fiduciary Standard of Care

    Our recommendations are made in your best interest, designed around your goals rather than product sales.

  • CFP® Guidance

    Our planning is led by CERTIFIED FINANCIAL PLANNER™ professionals held to the standards of the CFP Board.

  • Coordinated Advice

    Investments, retirement income, tax awareness, and estate strategy are managed together as one plan.

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Sean O'Connor MBA

Sean O'Connor, MBA

Partner, Financial Advisor and Private Wealth Manager

Holds an MBA and began his career at Ameriprise Financial before founding O'Connor Wealth Planning in 2021. He merged his practice with Serenity in 2024 to serve southeastern Wisconsin through a team approach.

Richard Little CFP

Richard Little, CFP®

Partner, Financial Advisor and Private Wealth Manager

A CERTIFIED FINANCIAL PLANNER™ professional who managed multiple Edward Jones branch offices before founding the practice in 2020, and partners with Sean to bring that depth to Wisconsin families.

Areas We Serve

We serve individuals and families across Kenosha County and southeastern Wisconsin from our Salem Lakes office.

  • Salem Lakes
  • Kenosha
  • Racine
  • Milwaukee
  • Lake Geneva
  • Burlington
  • Southeastern Wisconsin

Frequently Asked Questions

Does Wisconsin tax Social Security or my retirement income?

Wisconsin does not tax Social Security benefits. It also offers a retirement income subtraction for residents age 65 and older who meet the state's income limits (Wisconsin Department of Revenue). We help you find out whether you qualify and plan your income around it.

How much can I contribute to my retirement accounts in 2026?

For 2026 the 401(k) elective deferral limit is $24,500, with an $8,000 catch-up at age 50 and over and a higher $11,250 catch-up for ages 60 to 63. The IRA limit is $7,500, with a $1,100 catch-up at 50 and over (IRS).

At what age are required minimum distributions due?

Required minimum distributions currently begin at age 73 and are scheduled to rise to 75 in 2033 under the SECURE 2.0 Act (IRS). Drawing down or converting some savings before that age can reduce later required distributions and the taxes on them.

I live in Wisconsin but work in Illinois. Does that change my plan?

It can. Living in one state and earning or holding accounts in another means coordinating two different tax systems. We build your retirement plan with both in view so nothing is missed.

Where is your Wisconsin office?

Our office is at 23042 75th Street in Salem Lakes, and we meet clients in person or by video, whichever you prefer.