Retirees
Retirement marks one of life’s most meaningful transitions — and too often, it’s clouded by uncertainty. We guide retirees and those approaching retirement age about what to expect and what comes next. From Social Security timing and tax-efficient withdrawals to income sustainability and legacy design, we simplify the financial side so you can focus on living freely and purposefully. We approach retirement planning with care, helping individuals make informed decisions around the resources they’ve built over time.
Do I have enough to retire? Can I stay retired?
True retirement readiness is about more than a portfolio balance — it’s about aligning your income, lifestyle, longevity, and legacy goals into a cohesive plan. We help clients stress-test their strategies under real-world scenarios so they can retire — and stay retired — with confidence. Let’s review your numbers and show you exactly where you stand.
What is the maximum I can spend each year?
Sustainable spending depends on a range of personal factors, including your goals, time horizon, income sources, investment mix, tax considerations, and market conditions. A thoughtful retirement plan evaluates these variables together and is regularly reviewed to help guide spending decisions over time.
When should I claim Social Security? What about my spouse’s benefit?
The timing of Social Security can change your lifetime benefits by tens of thousands of dollars. Optimal strategies consider earning history, age, health, marital status, and other income streams. We’ll model your options and help you make an informed decision that fits your broader plan.
What options do I have for health insurance before Medicare (age 65)?
There are several ways to bridge the healthcare gap — from ACA plans and COBRA to creative income strategies that control costs. The best choice depends on your income, tax picture, and retirement timing. We’ll walk through your options and the pros/cons of each.
How should I navigate Required Minimum Distributions (RMDs)?
RMDs can trigger unnecessary taxes and portfolio loss if not managed properly. Coordinating withdrawals, charitable giving, and asset locations can help reduce their impact. We can craft a personalized strategy to help make your RMDs as tax-efficient as possible.
What accounts should I draw from first in retirement?
The sequence of withdrawals across taxable, tax-deferred, and Roth accounts significantly impacts how long your wealth lasts. A coordinated plan turns a complex decision into a clear path. Let’s build a custom withdrawal strategy aimed to extend the life of your portfolio.
How aggressive do I need to be to hit my goals?
The risk tolerance you think you need may be more aggressive than what is actually needed. Similarly, the risk you need to take isn’t always the risk you’re comfortable with. We align your investment approach with your long-term objectives, so your money works efficiently without unnecessary volatility. We’ll help you define the right balance of risk and return for your goals.
How do I leave money for my family as effectively as possible?
From trusts and beneficiary planning to tax-efficient gifting, legacy planning is about more than numbers — it’s about impact. We’ll work alongside you to design a strategy that aligns with your goals for future generations.
How do I feel more confident about retiring?
Clarity brings confidence. A well-structured retirement plan will provide you with projections, income strategies, investment strategies, and the risks to your retirement. With your goals in mind, we can provide you with a retirement plan and steps you can take to prepare.