What is a fiduciary financial advisor?

A fiduciary financial advisor is legally bound to act in your best interest at all times. Unlike other financial professionals, fiduciaries cannot receive commissions or kickbacks that might create conflicts of interest. At Semmax, we operate as independent fiduciaries, ensuring our advice is always in your best interest.

When should I start retirement planning?

The best time to start retirement planning is as early as possible, ideally in your 20s or 30s. However, it's never too late to begin. Whether you're in your 40s, 50s, or already retired, we can help you optimize your retirement strategy and make the most of your remaining working years or retirement income.

How much do I need to retire comfortably?

The amount needed for retirement varies greatly depending on your lifestyle, health care needs, and retirement goals. A general rule of thumb is to aim for 70-90% of your pre-retirement income. Our comprehensive planning process helps determine your specific retirement income needs and creates a strategy to achieve them.

What services does Semmax Financial Group provide?

We provide comprehensive financial planning services including retirement planning, investment management, tax planning, estate planning, insurance analysis, and Social Security optimization. Our holistic approach ensures all aspects of your financial life work together to support your retirement goals.

Do you work with clients outside of North Carolina?

While we're based in Greensboro, North Carolina, we work with clients throughout the state and can provide services to clients in other states where we're properly licensed. Contact us to discuss your specific situation and how we can help with your retirement planning needs.

HELPING YOU SECURE YOUR TOMORROW,

TOGETHER

Retirement is a very personal and unique story. You and your family don't have to figure it out alone.

Retirement Planning and Wealth Management Guides

Choose from our collection of comprehensive guides to help you make informed retirement planning and wealth management decisions.

The Retirement Readiness Roadmap

Align Your Finances, Lifestyle, and Legacy

A step-by-step guide is designed to help you confidently prepare for life after work. Financially, emotionally, and on your terms.

Design a Legacy That Lasts

Beyond Just the Numbers

Align your wealth with your values, with practical steps to preserve purpose, pass down wisdom, and create impact across generations.

Holiday Budget Guide

Stay Generous. Stay on Track

The holidays shouldn’t derail your long-term financial goals. Use this smart, simple Holiday Budget Guide to give with purpose, spend wisely, and close out the year with clarity.

Are You On Track for Retirement?

A Practical Checklist to Keep Your Retirement Goals on Track

Evaluate your savings, tax approach, insurance coverage, and Social Security options with this focused guide designed for those in their 40s and 50s who want to build clarity and confidence about their retirement readiness.

The Greatest Gift

Get your guide to building a lasting legacy today!

Learn how to structure your will and trust with confidence, choose the right people to carry your legacy forward, and protect your family's future with clarity and care.

Myths to Unlearn About Retirement

Secure Your Legacy and Protect Your Loved Ones with a Thoughtfully Crafted Estate Plan

This guide from Semmax provides practical steps and key considerations for creating a will, trust, and other essential documents to help ensure your assets are distributed according to your wishes, reduce potential burdens on your family, and preserve what matters most for future generations.

How Much Is Enough for Retirement?

A Practical Guide to Finding Your Comfort Number and Building Confidence in Your Plan

This guide walks you through lifestyle goals, income needs, healthcare costs, and legacy wishes—helping you calculate the number that’s right for you, not a generic formula.

Seven Keys to a Confident & Successful Retirement

A Clear Framework to Protect Your Wealth, Reduce Risks, and Enjoy the Life You’ve Worked For

Discover seven essentials, from tax-smart planning and healthcare protection to estate updates and income strategies, designed to give you clarity and confidence for a retirement that lasts

You Have Wealth, But Do You Have a Plan?

Close the Gaps That Put Your Retirement at Risk, Even With Significant Assets

Explore strategies for tax coordination, income sustainability, healthcare protection, estate updates, and legacy planning, all designed to turn wealth into a cohesive plan for lasting confidence

Retirement Income Planning Checklist

10 Essential Steps to Build a Confident Retirement Income Plan

Learn how to prepare for a longer life, rising healthcare costs, taxes, and market changes with a comprehensive checklist designed to help you create a retirement income strategy that supports your goals and lifestyle.

The Value of an Objective Opinion

Confident Retirement Planning Begins with an Independent Perspective

Gain clarity and confidence with objective financial advice that offers access to a wider range of solutions, tailored recommendations, and a personal approach to building an income plan that supports your long-term goals

We Bring Clarity and Confidence to Your Financial Strategies

At Semmax, we are committed to helping families with retirement planning and wealth management strategies. Our fiduciary-driven approach means we always act in your best interest, providing holistic retirement planning and proactive risk management.

Certified Expertise

CFP® professionals who are committed to serving your best interests today to prepare you for a more secure tomorrow.

Comprehensive Financial Analysis

In-depth review of your current financial situation to optimize your retirement strategy.

Local Fiduciary Financial Advisors

Local fiduciary financial advisors in Winston-Salem and Greensboro, NC.

Peace of Mind

Gain confidence in your financial future with a clear, actionable plan.

* This video provides an overview of our services and approach to retirement planning and wealth management

Semmax Financial Advisors team in our Winston-Salem office

Certified Financial Planners (CFP®)

Fiduciary financial advisors serving the Piedmont Triad

Personalized strategies for retirees and pre-retirees

Semmax is dedicated to providing expert financial planning and personalized retirement strategies to help you achieve your financial goals.

Ready to Get Started?

Get answers to your retirement plan questions with a no-obligation discovery session!

No obligation • 30-minute consultation • Virtual or in-person options available

Visit semmax.com to find out more.

Loading retirement planning resources...