Retirement Income Planning

Putting It All Together

Income planning means taking inventory of what you have, finding ways to enhance it, and adding what's missing. We assemble these puzzle pieces into your personal pension, creating the income you can rely on for the rest of your life.

Pension and Lump Sum Decisions

We can advise you on your pension and lump sum decisions and your self directed retirement assets such as 401(k)s, IRAs, and cash balance plans.

Coordination

We ensure a tax-efficient and sustainable retirement income plan by coordinating withdrawals across your various “buckets” to balance your yearly tax bill.

Social Security Optimization

We guide you through an interactive exercise that determines the optimal claiming strategy for you and your family, calculates your break-even age, and defines the approach that maximizes lifetime benefits.

Required Minimum Distribution Planning

We guide you on how to handle your RMDs, particularly if you do not need the income, including reinvesting or giving to charity.

Healthcare Planning

If you retire before 65, you'll need a plan to bridge the gap until Medicare. Our trusted insurance network will help you. We also make sure to account for health-related expenses in your retirement plan.