Retirement The “Now” Strategy
Retirement isn't a single date—it's a multi-year transition. Our comprehensive service focuses on the “Now” of retirement.
The Retirement Review
Cash Flow & Expense Modeling: We move beyond simple savings projections to create a realistic, personalized retirement budget, modeling your anticipated expenses (including travel, hobbies, and potential changes in housing) versus your projected income sources.
Stress Testing Your Plan: We test your portfolio against various economic scenarios (e.g., market downturns, inflation spikes) to ensure your plan is resilient and sustainable for a retirement that could last 25+ years.
Gap Analysis: We clearly identify any shortfalls between your resources and your goals, providing actionable steps to close the gap before your final paycheck.
Tax-Intelligent Distribution Strategies
Tax-Efficient Withdrawal Order: We strategically determine the optimal sequence for drawing income from your various accounts (Taxable, Tax-Deferred like 401(k)/IRA, and Tax-Free like Roth) to minimize your lifetime tax burden.
Roth Conversion Analysis: We explore the potential benefits of "filling up" lower tax brackets in your pre-retirement years with targeted Roth conversions, saving you money when your withdrawals would otherwise push you into higher brackets later.
Required Minimum Distribution (RMD) Planning: We build a strategy to manage RMDs (starting at age 73) to prevent them from causing unexpected tax consequences in your later years