Retirement Planning

Accumulating assets is only half the journey. Transitioning into distribution without a unified strategy exposes your assets to market drawdowns, sequence of returns risk, tax drag, and inflation. We design custom income distribution models that provide the retirement you desire and protect your financial security.

How we work

What we do

Savings turned into income that arrives on its own.

Scenario modeling

We build scenarios around the life you want next (when to stop working, where to live, what to spend) and adjust them with you until the plan feels right, then revisit them as your picture changes.

Purpose budgeting

Money set aside by name for the travel, hobbies, giving and ventures you want this chapter to hold, so they are planned for rather than paid from whatever is left.

Tax-smart income

Income drawn in the order that keeps more of it: tax-deferred accounts, Roth accounts, and sources that pay tax-favoured income, such as certain bonds, real estate funds or an annuity. Required distributions and Social Security are planned years ahead.

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. Income for essentials is planned 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