Retirement Planning

Turning savings into reliable income for the years after paid work ends. The order and timing of withdrawals can matter as much as the amount saved.

How we work

What we do

Savings turned into income that arrives on its own.

Income floor

Planned income to cover the household’s essentials, so a fall in the markets in the early years does not force a sale at the wrong moment.

Withdrawal sequencing

Which account to draw from, and in what order. The sequence changes how long the money lasts, and how much of it goes to tax.

Required minimum distributions

Tax-deferred accounts must start paying out at a set age. We plan for those payments years ahead, with Social Security and the window for Roth conversions.

Part of one design

Work organizes the week as well as the income. Retirement Planning aims to give that time back to you: income that arrives on its own, and days organized by what you choose to do next.

We do

Map income against spending
Set the order of withdrawals
Time Social Security and Roth conversions
Adjust the plan as life changes

Your counsel does

Your accountant files the returns
Licensed professionals place any insurance

When it matters most

The moments that shape the years after work, and what we do in each.

All transitions

Retirement

The end of a primary career. Saving becomes spending, and a life organized by work has to be organized by something else.

The portfolio starts paying the household, in an order planned in advance.

Liquidity Event

The sale of a business you own, or a large part of it. Years of concentrated, illiquid value become cash at a single closing, and the role that organized your life often ends with it.

The proceeds are set to pay the household first, and to grow second.

Becoming an Empty Nester

Children leave the family home. Time and money return at once, to a household whose routines and friendships were built around a role that has just ended.

Spending is reset for a household of two.

Becoming a Caregiver

Ongoing responsibility for the care or finances of another adult, most often a parent or partner. It rarely has a clear start or end, and it takes its hours from whatever was already there.

The cost of care is planned into the income, instead of added later.

Common questions

Losses in the first years weigh most, because withdrawals lock them in. The income floor covers essentials from sources that do not depend on that year’s markets, so withdrawals need not come from investments while they are down.

Start with a conversation.

Tell us what is changing in your family. We listen first, and tell you plainly whether we are the right office for it.

All seven services