For pre-retirees and retirees
Can I retire? When? What will it look like?
Three questions, one plan. We map out the answers year by year, so you can see them for yourself instead of guessing.
Explore
What usually starts the conversation.
- Wanting a real date to plan around, instead of a hope.
- Not knowing which account to draw from first, or what that choice does to your taxes.
- Social Security and pension decisions that can’t be undone once they’re made.
- Health care before Medicare, and then Medicare itself.
- Wanting to help your children and grandchildren without running short later.
How the five pillars apply to you.
Cash flow and retirement
A retirement income plan with a withdrawal order, Social Security timing, and a pension analysis if you have one.
Investments
A portfolio built to pay you an income as well as to grow, with regular rebalancing.
Tax Strategies
Roth conversions in lower-income years, required minimum distributions, and qualified charitable distributions, planned across the decade instead of one April at a time.
Estate and legacy
Wills, trusts, and gifting plans reviewed with your attorney, including family meetings when you’d like the next generation in the room.
Risk and insurance
Long-term care, and the coverage you’ll still need once employer plans end.
What happens after you book.
A short intake, a Discovery Meeting about what you want retirement to look like, and then a findings meeting where you’ll see your plan on screen, year by year.
Frequently asked questions
We build a year-by-year picture: what you have, what it’s likely to produce, what you want to spend, and what taxes, Social Security, pensions, and health care do to the numbers along the way. You’ll see the result on screen, and we’ll adjust it together until it reflects the life you want.
Not at all. Many of the biggest decisions, like withdrawal order, Roth conversions, required distributions, Medicare choices, and estate updates, happen after you stop working. Coordinating them is a big part of what we do.
Let’s move forward together.
You’ve worked hard to build what you have. Start with a Discovery Meeting, at no cost and with no obligation. We’ll talk about where you are and where you want to go, and you’ll leave knowing exactly what working together would look like.
