Retirement Planning

Retirement is about time. It is a place of YOU choosing what you want to do, with whom you want to do it, and when you want to do it.

For many people, the previous retirement model of quitting work at age 65 and focusing all your time on leisure activities no longer holds the appeal that it once had.

Many have realized that a life of only leisure does not lead to fulfillment. Many people are looking for a balance in work, building relationships with friends and family, and enjoying travel and leisure activities. With life expectancy increasing, the phase of your life could last 30-40 years. Are you financially prepared for this next chapter?

  • Taxes in Retirement

    Taxes can eat away up to a third or more of your retirement savings!

    ⇢ Do you know how your income sources will be taxed? Pensions, Social Security, IRA and Roth distributions, reverse mortgages, dividends, interest, and continued employment.

    ⇢ Do you have an estimate of what your tax bracket will look like throughout retirement and how to strategically pay your taxes?

    ⇢Do you have a plan on how to blend these different sources of income together and minimize your tax burden during your retirement?

  • Income in Retirement

    There are many sources of income in retirement and they differ in how long they last, how they are taxed, and their stability.

    ⇢ To what income sources do you have access?

    ⇢ What sources of income are guaranteed for your lifetime?

    ⇢What sources have tax advantages?

  • Grow and Protect Your Assets

    Some of the behaviors and rules you followed to successfully grow your assets while you were saving can hurt you when you begin distributing your assets as income.

    ⇢ Do you understand how the ups and downs in your portfolio will impact your assets differently in distribution than they did during your saving years?

    ⇢ Are you familiar with the “Sequence of return risk” and how a large decline in your early years of retirement can impact the length of time your portfolio will last versus a large decline toward the middle or end of your retirement?

    ⇢ Do you have a strategy to help minimize losses during a bear market?

  • Health Care Plan

    The cost of health care and covering an unexpected injury, illness or disability is one of the top concerns for those entering retirement.

    ⇢ Do you have a plan for when to apply for Medicare and how to minimize your Medicare premiums?

    ⇢ Have you incorporated health expenses into your retirement income plan, including if retiring prior to the start of Medicare coverage?

    ⇢Do you have a plan in the event that you or a family member has an unexpected long-term disability?

We help our clients understand their current financial situation. Then, we help them to identify their ideal retirement and put a plan in place to achieve and maintain that retirement. We do this by implementing strategies to reduce risk, minimize taxation, and create sustainable income streams.

Get in touch.


If you are interested in finding out more about how to create a sustainable retirement income plan, please complete our brief questionnaire and we will reach out to you to set a time to discover your next steps.