What This Is, and What It Is Not Yet.
Algoli Advisors is being built as a retirement income planning practice focused on the decade between retirement and required minimum distributions. This site is an educational resource in the interim.
Rikin Shah
Algoli Advisors LLC
Stanford Graduate School of Business, MBA. Columbia University, BS Applied Mathematics. Six years on the M&A advisory team at J.P. Morgan, covering transactions across financial services, healthcare, and industrials. Then financial-services private equity at Stone Point Capital — including direct investments in insurance carriers, distribution, and asset managers.
Founder of GetSure, an independent insurance agency licensed in all 50 states, focused on life insurance and annuities. Author of IUL On Trial, a long-form critique of indexed universal life sales practices.
The Accumulation Decades Are Well-Served. The Decade Before RMDs Is Not.
The retirement-advice industry of the last forty years has been built around accumulation. Save more, invest in low-cost index funds, ignore the noise. The advice is right, the delivery has improved, and the households who followed it are now reaching retirement with substantial balances.
The decumulation decade — the eight to twelve years between the last paycheck and the first required distribution — is structurally harder than accumulation. It involves taxes (every year), uncertainty (longevity, market, policy), and irreversible decisions (when to claim Social Security, how much to convert, whether to floor income). Standard advice often does not survive the move from one stage to the other.
This is the window Algoli Advisors will focus on. The content on this site is the prelude — educational material on the categories of decision that arise inside it, written for an analytically-inclined audience.
How the Firm Will Be Structured.
Fee-only. Compensation will come from a flat planning fee paid directly by the client. No AUM, no custody, no commissions or referral revenue from any insurance carrier or third-party financial services firm.
Separate from GetSure. Algoli Advisors LLC is a separate legal entity from Algoli LLC dba GetSure (the affiliated insurance agency). Different ownership structure, different operations. Where a plan ultimately calls for an insurance product, the client will be free to transact through any independent agent; the planning fee will not depend on where the placement occurs.