At some point the goal shifts from growing the money to living on it. That change is where retirement planning earns its keep, and it is the part most people reach without a real plan.
We build for both sides: the years you are saving and the decades you are spending.
Saving for retirement and drawing from it call for different plans
Growing the nest egg is mostly about steady saving and staying invested. Living on it calls for a different set of decisions: which accounts to draw from first, how to handle an early market drop, how to make the money last as long as you do. We build the withdrawal plan and adjust it as the years actually play out.
The order you withdraw matters
Taxable, traditional, and Roth accounts are each taxed differently, so the sequence you draw from changes your lifetime tax bill and how long the money lasts. We map the withdrawal order, Social Security timing, and any Roth conversions together, then adjust as the years actually play out.
What our retirement planning covers
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A clear read on where you stand today, and the gap to where you want to be
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A withdrawal plan: which accounts to draw from, and in what order
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Social Security timing, weighed against your other income
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Roth conversions in the lower-income years, where they help
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Regular reviews as your life, the markets, and the tax law change
We plan across state lines
State taxes, property rules, and estate considerations differ from one state to the next. We work with clients across the country and build each plan around the rules where you'll actually live, wherever in the country that is.
Start with a conversation
Tell us when you want to retire and what you want it to look like. We will show you how we would plan for it.
Schedule a Consultation