Retirement planning
Your paycheck will stop one day. Your cash flow should not.
We build a simple, easy-to-follow road map that turns your savings, pensions, and Social Security into steady monthly income. It shows which accounts to draw from first and how to keep taxes from eroding what you spent a lifetime building.
What does retirement planning cover here?
- An income plan that shows, year by year, where your cash flow comes from and how long it lasts under different assumptions.
- A withdrawal order across taxable, tax-deferred, and tax-free accounts, planned with your CPA so each year's tax bill is part of the decision.
- Rollover advice on old 401(k) and retirement plan accounts, given only when a rollover is in your interest.
- A review of the protection you carry into retirement, including life and long-term care coverage, and what it is doing for you now.
- The estate tie-in: beneficiary designations, account titling, and gifts that fit the plan your attorney has drafted.
- Ongoing management of the investments that produce the income, with an allocation reviewed as your needs change.
A first conversation about your timeline, your income needs, and what worries you.
We gather statements and build your current position in planning software.
We test the alternatives, retire now or later, draw from this account or that one, and show you the results in plain, easy-to-understand terms.
You get written recommendations with the reasoning behind each one. You decide which to carry out.
We put the plan in motion, then review it with you on a regular schedule and after any major change.
Not always, and many people are surprised by that. If your retirement income is close to what you earned while working, and much of it comes from tax-deferred accounts, your bracket may not fall at all. The plan looks at your actual sources of income and works with your CPA on the order of withdrawals.
Sometimes, and sometimes not. A rollover can simplify your accounts, but it also increases the assets we manage, which is a conflict we disclose up front. Eric recommends a rollover only when he believes it is in your best interest, and he puts his reasons in writing.
Yes. A second look at withdrawal order, tax treatment, and how long the money lasts is a common single-question engagement. It can be billed hourly or as a fixed-fee plan, and you are not required to move your accounts to us.
