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Retirement Planning in Westchester, NY

 

Retirement is when years of saving have to start paying you. Steve Ircha, J.D., Senior Managing Director at Aegis Capital Corp. in Bronxville, has guided Westchester families, executives and business owners through that transition since 1986, helping them turn their savings into dependable income while protecting what they have built for the next generation.

 

Talk with Steve directly: cell 917-561-5288 · office 914-361-1099 · sircha@aegiscap.com

 

 

 

How We Help You Prepare for Retirement

 

  • Retirement income planning. We map out how your portfolio, pensions and Social Security can work together to support the lifestyle you want.

  • Bond ladders for predictable income. Municipal and U.S. Treasury bond ladders that are structured to match maturities to your spending needs.

  • Income investing. Portfolios built to generate regular cash flow from dividends and interest.

  • 401(k), 403(b) and IRA rollovers. We review your options for consolidating old workplace plans and explain the costs and trade-offs of each choice.

  • Annuities and insurance. Through Aegis Capital’s insurance department, we can help you evaluate annuities and insurance designed to provide lifetime income or protect your family.

  • Legacy planning. Beneficiary and Transfer on Death (TOD) designations and tax-efficient gifting, coordinated with your CPA and estate attorney.

 

 

 

Who We Work With

 

  • Pre-retirees in their 50s and 60s who want a clear plan before they stop working

  • Recently retired couples who need a reliable “paycheck” from their savings

  • Executives and business owners preparing for a sale, transition or concentrated stock position

  • Families who want to pass wealth to children and grandchildren efficiently

 

 

 

Our Process

 

  1. A conversation. We learn about your goals, timeline, family and concerns.

  2. A full review. We look at your current accounts, income sources and expenses.

  3. A written plan. We recommend an investment and income strategy built around your needs.

  4. Ongoing reviews. We meet regularly and adjust as markets, tax rules and your life change.

 

 

 

Why Westchester Families Choose Steve Ircha

 

  • Four decades of experience advising clients through every kind of market since 1986.

  • Legal and business training: Juris Doctor from Brooklyn Law School and Harvard Business School’s Owner/President Management program.

  • Independent platform with access to a wide range of stocks, bonds, funds, annuities and insurance products.

  • Direct access to Steve at our Bronxville office, by phone, or outside the office when needed.

 

 

 

Start Planning Your Retirement

 

Call Steve on his cell at 917-561-5288, call the office at 914-361-1099, or email sircha@aegiscap.com. You can also send a message through the form on our home page. See our FAQ for answers to common questions, or learn more about our wealth management services.

 

Annuity guarantees are subject to the claims-paying ability of the issuing insurance company. Investing involves risk, including possible loss of principal. Aegis Capital Corp. does not provide tax or legal advice; please consult your tax and legal advisors.

 

Securities offered through Aegis Capital Corp., Member FINRA/SIPC. Investment advisory services offered through Aegis Capital Corp., an SEC Registered Investment Advisor.

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Steve Ircha serves as the Senior Managing Director at Aegis Capital Corp., a securities firm.

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UACC NJ: A Heartfelt Thank You to Steve Ircha​

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UACC NJ: Steve Ircha at Aegis Capital Corp.

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© Aegis Capital - 2026. All rights reserved. Securities offered through Aegis Capital Corporation, a registered Broker/Dealer. Member: FINRA and SIPC
Investment advisory services offered through Aegis Capital Corporation, an SEC Registered Investment Advisor.

Brokerage and investment advisory services are offered through Aegis Capital Corporation, a member of FINRA and SIPC.

Please use this link to view Form CRS and General Disclosures | Aegis Capital (aegiscapcorp.com)


Insurance products are made available through, ACC General Agency, a licensed insurance agency. For those persons inquiring from states where a specific associate is not currently securities and/or insurance licensed, the associate will not transact business in that state or provide follow-up individual responses, until after the associate obtains the appropriate registration in the applicable state.

The information provided should not be relied upon in isolation for the purpose of making an investment decision. You must also consider the objectives, risks, charges, and expenses associated with an investment service, product or strategy prior to making an investment decision. Prior to making any investment or financial decision, an investor should seek advice from a financial, legal, tax and other professional that consider all of the particular facts and circumstances of an investor's situation. The opinions expressed and material provided are for information purposes only and is not an offer, recommendation, or solicitation of any product, strategy or transaction. Any views, strategies or products discussed may not be appropriate or suitable for all individuals and are subject to risks.



Investment and insurance products offered are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

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Important Consumer Information: This communication is strictly intended for individuals residing in the states listed at the bottom of this web page.

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No offers may be made or accepted from any resident outside the specific state(s) referenced at the bottom this web page.

 

Alabama, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming. 

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Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.

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