Retirement Income Planning
Before retirement, your focus was growth — saving, investing, and building. After retirement, it becomes income — creating consistent cash flow and protecting what you’ve earned. The shift seems simple, but it changes everything: how you invest, how you withdraw, and how you manage risk.
Without a clear strategy, that transition can create uncertainty — and for most people, the biggest fear isn’t market volatility. It’s running out of money. We help replace that fear with confidence through planning that accounts for every moving piece of your financial life.
Why Income Planning Matters
As you approach retirement, the rules of money change.
How We Build Your Retirement Paycheck
Strategies for a Confident Retirement Income Plan
A strong income plan balances what you can control — timing, taxes, and structure — with the variables you can’t, like markets and longevity. Here’s how we help you bring it all together:
Social Security Optimization
Social Security is more than a monthly benefit — it’s the foundation of your income strategy. Looking at it through the lens of your full financial picture helps you make confident, informed decisions.
We help you evaluate:
- Optimal claiming age based on your health, income needs, and long-term gaols
- How your claiming decision impacts your taxes, spousal benefits, and total lifetime income
- How Social Security integrates with other income sources like pensions, IRAs, and 401(k)s, for a cohesive plan.
Saving, Investing, & Guaranteed Income
Your retirement paycheck should come from multiple sources — investments for growth, guaranteed income for stability, and smart withdrawal strategies that help your assets last. We design income plans that blend flexibility with security, giving you a clear picture of where your income comes from each year
We guide you through:
- How much to keep in reserve so you feel secure without sacrificing growth.
- Investment strategies that balance protection with long-term potential
- Ways to use guaranteed income to cover essentials while investments support growth and lifestyle goals
Tax Planning in Retirement
Taxes don’t stop in retirement — but the way you manage them changes. Smart tax strategies can extend the life of your portfolio and help you keep more of what you’ve earned.
Our tax-focused income planning includes:
- Coordinating withdrawals to minimize your lifetime tax burden.
- Planning required minimum distributions (RMDs) to avoid unexpected tax bills.
- Evaluating Roth conversions to create tax-free income later in retirement.
Your income planning Questions, Answered
Straightforward Advice, No Hidden Agendas
When should I claim Social Security?
The answer depends on your health, savings, and income needs. We run scenarios to show how different claiming ages affect your lifetime benefits.
What’s a safe withdrawal rate from my savings?
There isn’t a one-size-fits-all number. We stress-test withdrawal strategies against market conditions and your expenses to help ensure your plan lasts.
Can I create guaranteed income in retirement?
Yes. We explore options like annuities or pension choices that provide guaranteed income, while balancing flexibility for other assets.
What if inflation or healthcare costs rise?
We build in cost-of-living adjustments and healthcare planning, so your plan adapts instead of leaving you exposed.
