Life’s next adventure is waiting.

Start planning for your retirement with
Capital Retirement Strategies.

Life’s next adventure is waiting.

Start planning for your retirement with
Capital Retirement Strategies.

Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.

Capital Retirement Strategies is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.

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Planning Process

Retire with Confidence.

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

Start Smart

Apply Discipline

Communicate Progress

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life

Liquidity

Limited access to assets to meet life’s unexpected financial needs

Inflation

Reduction in real purchasing power as the result of increasing cost of living

Market

Unexpected reduction in the value of financial assets at the time of withdrawal

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes

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Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

College Funding

Make the investment in your child or grandchild’s future with the gift of collect education through life insurance.

Income Planning

Design an income plan that delivers dependable income and financial security throughout your retirement.

Long-Term Care Planning

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Legacy and Estate Planning

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate plannings strategies.

Retirement Savings Optimization

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Social Security Optimization

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Tax Planning

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

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Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

College Funding

Make the investment in your child or grandchild’s future with the gift of collect education through life insurance.

Income Planning

Design an income plan that delivers dependable income and financial security throughout your retirement.

Long-Term Care Planning

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Legacy and Estate Planning

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate plannings strategies.

Retirement Savings Optimization

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Social Security Optimization

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Tax Planning

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

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Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Annual Review
Monthly Newsletter
Client Portal
Educational Events
Client Events

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Team

Read about the advisor and staff and learn the history of the business. See contact information for each person and click to email or call individuals in the business.

Harold Batista BHSA, CCFC, Founder and President

Mr. Batista in the last 30 years has been dedicated to serving a diverse clientele including attorneys, business owners, CPAs, high- income earners, families, and professionals, both domestically and internationally. With a proven record of successful collaboration with leading firms, he has assisted numerous business owners and professionals in achieving their financial goals. His specialties are Next – Gen Savings Strategies, Foreign National Insurance based solutions, Social Security Maximization, Trust, and Tax Mitigation including IRMAA & Medicare Means Testing. As an Elite Team Based Model Consulting Specialist, he collaborates closely with CPA firms, Trust Lawyers, and other national specialists. This collaborative approach ensures a proactive and holistic strategy aimed at wealth preservation. By leveraging the collective expertise of a multidisciplinary team. He and his associates can achieve results that surpass what any individual could accomplish alone.

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Resources

Testimonials

No Mame

Harold is a true professional. He has a great deal of knowledge and experience in the Insurance/investments business and will help simplify the process of protecting your assets. He is very patient and will listen to your needs helping you make these very important decisions. I highly recommend Harold for your insurance/investment needs.
Barry Hockenstein

Harold is a straight shooter that has given me excellent advice tailored to my needs. He is not pushy and will recommend only products that will benefit me. I highly recommend him for all your insurance needs.
Jeremy Schwartz

It's been a real pleasure working together with Harold in the past. I found Harold to be a goal oriented, dedicated, highly organized and open minded professional with boundless energy. An independent, careful, and wise team player with very good communication skills. His knowledge is vast and thorough. Harold never refuses you when you ask him for help. Harold works for maximum satisfaction of his customers.
George Holstein

Harold will provide you with excellent opportunities to reduce your taxable income and set up a stable retirement plan. We are very happy with the employee benefit plan and retirement protection.
Andre C.

Working with Harold was nothing but a pleasure. He is professional and incredibly skilled. I would highly recommend him to all my friends.
LISA ANN M.

Professional, knowledgeable, good judgment and value. I will continue to refer him and do business with him!

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Life’s next adventure is waiting.

Start planning for your retirement with Capital Retirement Strategies.