Retirement Readiness Planning
Turning a Lifetime of Work into a Lifetime of Income
Retirement is no longer a finish line; it is the beginning of a new, arguably more complex, phase of life. The strategies that helped you accumulate wealth are different from the strategies required to distribute it. Retirement Readiness Planning focuses on the transition from saving to spending, ensuring you have a reliable income stream that supports your lifestyle for as long as you live.
Income Distribution Strategy
We answer the question, "Where should my paycheck come from?" by creating a tax-efficient withdrawal strategy. We coordinate distributions from taxable accounts, tax-deferred accounts (IRAs/401ks), and tax-free accounts (Roths) to minimize your annual tax bill and preserve your portfolio.
Social Security & Pension Optimization
Deciding when to claim Social Security is a permanent decision with major implications. We analyze your specific situation to determine the optimal claiming age for you and your spouse to maximize lifetime benefits.
Healthcare & Long-Term Care
Healthcare is often the largest expense in retirement. We help you navigate Medicare enrollment and plan for potential long-term care needs, protecting your assets from the rising costs of medical support.
Legacy & Estate Integration
True readiness means knowing your values will outlive you. We ensure your beneficiary designations are current and work with your estate attorney to align your financial plan with your estate documents, ensuring your wealth is passed on to your family or favorite charities exactly as you intend.
Ready to Plan Your Retirement?
Let's build a strategy that ensures your financial security.
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