Comprehensive Retirement Income Planning
Retirement is more than the end of a career—it’s the beginning of a new season of life filled with purpose, stewardship, and freedom. At Servus Capital Management, we help families across Lynchburg, Bedford, Amherst, Campbell, Appomattox, Nelson, and Central Virginia design personalized retirement income plans that ensure financial stability and lasting peace of purpose.
Our fiduciary approach integrates faith, planning, and precision to help you manage income, reduce risk, and protect your legacy—so you can live fully in the purpose God has for your life.
Sustainable Withdrawal Rate
We help determine how much income you can safely withdraw each year without depleting your principal—protecting against longevity risk and giving you confidence that your income will last as long as you do.
Social Security & Pension Maximization
Timing matters. We coordinate Social Security and pension strategies to help you maximize lifetime benefits, ensuring your income foundation is as strong and steady as your retirement vision.
Income Balancing
We create balance between guaranteed income sources (like pensions and annuities) and market-based portfolios—helping you enjoy flexibility, stability, and sustainable growth through every market cycle.
Cost Management
Inflation, healthcare, and long-term care costs can quickly erode retirement income. We plan ahead to protect your lifestyle, accounting for rising expenses while preserving your long-term security.
Tax-Efficient Retirement
Smart tax strategies make your income last longer. We help reduce taxes on withdrawals, manage Required Minimum Distributions (RMDs), and structure your accounts to support long-term tax efficiency.
Asset Conversion Strategy
We guide you through the transition from saving to spending—converting your assets into a sustainable, income-generating portfolio focused on total return, flexibility, and long-term growth.
Legacy Protection
Your retirement should provide for today—and protect for tomorrow. We help ensure that your spouse and family remain financially secure, with strategies that safeguard your legacy for generations to come.
Our Vision
“At Servus Capital Management, our mission is to help people achieve the purpose and plan that God has for their life. Financial planning is not about chasing wealth—it’s about stewardship. Retirement planning, in particular, is about transforming years of hard work into freedom, generosity, and direction for the future.”
—
Allan Malina, Founder
From the Podcast
When it comes to retirement income, you need more than numbers—you need guidance that integrates purpose, planning, and partnership.
What’s My Number? Why do I need one?
In this episode, Allan cuts through confusing economic headlines to focus on what truly matters for retirees: knowing your retirement number. After unpacking recent job-data revisions and their impact on market sentiment, he walks listeners through how to define the lifestyle they want, translate it into real dollar needs, subtract guaranteed income, and calculate the gap their portfolio must fill. It’s a practical, purpose-driven framework for building clarity and long-term confidence.
If you want to approach retirement with direction instead of uncertainty, this episode is an essential guide.
What’s My Number? When Can I Retire?
In this episode, Allan brings clarity to a moment when markets are shifting and retirement questions are rising. He explains how changes in the economic cycle reshape market leadership and why disciplined reallocation back into equities can make sense as conditions strengthen. From there, he tackles the questions every family faces—your number, retirement timing, Social Security, and income choices—showing how purpose and data, not comparison or emotion, drive confident planning.
If you're looking for direction and clarity as you approach retirement decisions, this episode is a strong place to begin.
Are You Really Ready to Retire?
In this episode, Allan helps listeners make sense of shifting global trade, changing economic conditions, and what those transitions mean for long-term retirement planning. He explains how evolving quads, tariff pressures, and the move from China toward Taiwan and Vietnam are reshaping corporate profits—and why certain reallocations, including into precious-metal producers, may offer more opportunity than the metals themselves. From there, he tackles the two big questions families are asking: whether sustainable investing still fits into a long-term plan, and how to confidently determine true retirement readiness.
If you want a grounded, practical approach to knowing when you can retire—not based on feelings, but on a clear, purpose-anchored plan—this episode is a valuable guide.
Faith, Purpose & Financial Health
Retirement is a time to live out your purpose, not to worry about money. By aligning financial strategies with your faith and values, we help families across Central Virginia experience the confidence that comes from true financial stewardship.
Why Choose Us for Retirement Income Planning
When it comes to retirement income, you need more than numbers—you need guidance that integrates purpose, planning, and partnership.
Purpose-Driven Process
Every plan begins with your story, your values, and your goals—not a template.
Faith-Inspired, Accessible to All
Rooted in Christian principles, yet open to anyone seeking financial freedom and direction.
Holistic Coordination
Social Security, pensions, investments, and taxes—all working together in one cohesive plan.
Fiduciary Commitment
No commissions, no sales pressure—just transparent, client-first guidance.
Personal Partnership
We walk with you through every stage of retirement—offering clarity, care, and consistency.
Retire With Confidence. Live With Purpose.
Comprehensive retirement income planning ensures your money serves your life—not the other way around. At Servus Capital Management, we help you turn your savings into a plan for freedom, purpose, and lasting impact.
