Retirement income projection
The foundational question: given what you've saved, what you'll spend, and how long you might live, does the plan hold? We model it out year by year, including the bad-market scenarios, so the answer isn't a guess.
Retirement Planning
Turning what you've saved into income that lasts — and deciding what happens to the rest.
Saving for retirement is the part most people manage on their own. The harder question comes later: when you can stop working, which account to spend first, and how much of it the tax code takes along the way. Those answers depend on each other, which is why they're worth working out together.
Social Security timing
Claiming at 62 versus 67 versus 70 can mean a meaningful difference in lifetime benefits, and the right answer depends on your health, your spouse's earnings record, and what else you're drawing on. It's a one-time decision that's difficult to undo.
Withdrawal sequencing
Which account you spend first — taxable, tax-deferred, or Roth — can change how much you pay in tax over a full retirement.
Roth conversions
The years between retiring and starting required distributions may be a low-bracket window worth using. Converting during that stretch may reduce lifetime taxes, but only if the projections are run against real brackets rather than a rule of thumb.
Employer plans and rollovers
What to do with a 401(k) when you leave a job. We evaluate whether a rollover makes sense in light of costs, investment options, services, tax considerations, and applicable protections.
Healthcare and Medicare
Depending on your circumstances, health costs can be among the expenses most likely to derail a retirement plan, and the bridge years before 65 are often the expensive ones. We account for them, including how income affects your Medicare premiums.
Legacy planning
What's left goes somewhere, and beneficiary designations decide more of that than a will does. We review titling and beneficiaries alongside your attorney, so the plan and the documents agree.
Gifting and education funding
For clients considering education funding or estate-planning strategies, 529 plans may provide useful tax and gifting opportunities. The rules and potential benefits depend on your circumstances, and we coordinate with your tax and estate-planning professionals.
Retirement decisions land on a tax return and get executed in a portfolio. Conversions and withdrawals are coordinated with your preparer through tax planning, and implemented in wealth management.
Ready to map out your retirement?
Whether you're a few years out or already retired, we'll look at what you've saved and talk through what it supports.