Retirement Planning

Have I saved enough to actually stop working, and how do I turn that into a plan for the rest of my life?

As you get closer to retirement, financial planning begins to look different.

You’ve spent decades working, saving, and building wealth. Now, the focus starts to shift from simply accumulating more to understanding how everything you’ve built can support the life you want to live.

For those within five to ten years of retirement, we help bring the different pieces of your financial life together into one clear plan. We look at where you are today, where you want to go, and the decisions that need to happen along the way. Rather than looking at each decision in isolation, our goal is to help you understand how they work together and give you a roadmap you can continue to adjust as life changes.

❋ Retirement Income Plan

How will I replace my paycheck? Map out income sources, planned withdrawals, and when money will be needed. Give each dollar a timeline that helps guide how it's invested.

❋ Social Security strategy

When should I start collecting? Compare claiming ages, spousal and survivor benefits, pension payout options, and how those decisions affect the overall retirement income strategy.

❋ Medicare & healthcare plan

How will I afford healthcare? Incorporate expected healthcare costs, prepare for coverage before age 65 if needed, and provide guidance and local Medicare resources to help clients choose coverage.

❋ Tax-Efficient Retirement Decisions

How can I be thoughtful about taxes? Coordinate account withdrawals, Roth conversion opportunities, Social Security taxation, and future RMDs with the broader tax strategy.

  • Retirement isn’t about reaching one magic number. We help determine whether what you’ve built can support the way you actually want to live.

    We bring together your savings, investments, Social Security, pensions and other income sources and compare them with what you expect to spend—not just on everyday expenses, but on travel, home projects, vehicles, helping family and the things you’ve worked hard to enjoy.

    • From there, we can model different retirement dates and scenarios to show what’s possible.

    • What happens if you retire at 62 instead of 65?

    • Can you spend more in your early retirement years?

    • What happens if markets struggle or you live well into your 90s?

    The goal is to turn “I think we have enough” into a retirement plan built around real numbers, real goals and the life you want your money to support.

  • One of the biggest changes in retirement is going from receiving a regular paycheck to creating one from the assets you’ve spent decades building.

    We build a retirement income plan (we call this a Five-Year Income Plan) that maps out where your income will come from and when you’ll need it. that coordinates Social Security, pensions, retirement accounts, and other income sources.

    This gives each dollar a timeline, and that timeline helps determine how it should be invested. Money you’ll need sooner may be positioned differently than money you won’t need for many years, allowing us to balance near-term income needs with long-term growth.

    Instead of simply withdrawing from your investments as expenses arise, we create a plan for how your portfolio will help fund your retirement paycheck over the next five years—and continue updating that plan as you move through retirement.

  • After spending decades saving and building wealth, figuring out how much you can comfortably spend in retirement can be a big adjustment. You've worked hard to get here, and we want to help you enjoy what you've built while making sure your money continues to support you in the years ahead.

    You may have heard of the 4% rule, which suggests withdrawing a certain percentage of your retirement savings each year. While it can be a helpful starting point, retirement isn't one-size-fits-all. Your income sources, spending habits, goals and retirement timeline are unique, and we believe your plan should reflect that.

    Through our Five-Year Retirement Income Plan, we help determine how much you can comfortably spend, where that money will come from and how your investments should support those needs. We also look beyond everyday expenses to plan for the things that make retirement enjoyable, like travel, a new vehicle, home projects or helping family.

  • Deciding when to start Social Security is one of the more important financial decisions you'll make as you approach retirement. You can begin collecting benefits as early as age 62, but waiting can significantly increase your monthly benefit for the rest of your life.

    We help evaluate different claiming strategies to determine what makes the most sense for your overall retirement plan. That includes looking at your retirement timeline, other income sources, life expectancy, tax considerations and how your decision may affect your spouse.

    Rather than simply focusing on getting the largest monthly benefit, we look at how Social Security fits into your bigger financial picture.

  • Taxes can make a big difference in how much of your retirement savings you actually get to keep and enjoy. While we can't control tax laws, we can help you make thoughtful decisions about when and how to use your money.

    We look beyond just this year's tax return to understand how the decisions you make today could affect your taxes down the road. That might mean figuring out which accounts make the most sense to withdraw from, exploring Roth conversions, preparing for future required minimum distributions (RMDs), or understanding how Social Security, pensions and investments all fit together.

    The years leading up to retirement, and even the first several years after you stop working, can offer some great opportunities to plan ahead. We work alongside your tax professional to help identify those opportunities and make sure your financial decisions are working together. Ultimately, our goal isn't just to help you pay less in taxes this year, but to help you keep more of what you've worked so hard to build throughout retirement.

  • Healthcare is an important part of retirement planning, and figuring out what it will cost and which Medicare options make the most sense can feel a little overwhelming.

    We help take some of the guesswork out of it by building expected healthcare expenses into your retirement plan, using average costs and your individual circumstances to help you prepare for what’s ahead. We also help you understand your Medicare options and how different coverage choices may affect your retirement budget.

    And you don't have to figure it all out on your own. We can connect you with a trusted local Medicare resource who can walk you through your options, answer your questions, and help you find coverage that fits your needs.