Get To Know Us
Provision is an advisory firm focused on thoughtful, self-made retirees—engineering retirement income, tax, and investment plans so you can move from “I hope this works” to “We have a clear path.”
We exist to help retirees prepare for the retirement they want and protect against the risks that could threaten it. We do this by engineering retirement income—not guessing with generic portfolios—using investment strategies specifically designed to secure essential spending, manage long-term tax risk, and provide confidence in a one-directional stage of life where there are no do-overs.
What Provision Does for You
Our approach is designed to protect your lifestyle, provide sustainable income, and create a retirement built on financial security.
Shape Your Money Around Your Life
We start with how you actually want to spend your time—and build a retirement income plan that supports those rhythms.
Coordinate Income, Investments, And Taxes
We connect your accounts, withdrawals, portfolio, and tax picture into one coordinated strategy, so each decision works.
Give You a Steady Guide As Things Change
We stay alongside you as markets move, rules shift, and life happens—helping you adjust the plan with intention.
Robert Lindstrom, CFP®, EA
I help diligent savers navigate retirement's biggest financial transition—from decades of accumulation to confident spending.
After working in traditional wealth management, commission-based sales, and fee-only planning, I founded Provision in 2019 to do retirement planning differently. Instead of starting with risk tolerance surveys and generic portfolios, I use institutional Asset Liability Matching methods to engineer income certainty for your essential expenses.
My superpower? Seeing second and third-order effects others miss—like how a Roth conversion affects Medicare surcharges, Social Security taxation, and your multi-year tax picture. This systems thinking lets me coordinate retirement, investments, taxes, insurance, and estate planning into comprehensive protection.
I'm a CFP® and Enrolled Agent specializing exclusively in retirement income planning. When I'm not thinking about taxes and income floors, I'm with my wife Laura and our three boys, or sneaking in rounds of golf (a passion since age 10).
The Team For You
We’re a tight-knit team focused on one thing—helping careful, self-made retirees turn their savings into a clear, livable retirement plan with steady guidance along the way.
Based in Maryland, Serving Nationwide
We call Towson, Maryland home, but work virtually with retirees nationwide—bringing specialized retirement income and tax planning to you, wherever you live.
