Retirement
Work organized the days for decades. Now the days are yours to organize, and the portfolio has a new job.
The end of a primary career. Saving becomes spending, and a life organized by work has to be organized by something else.
What changes
Saving becomes spending. Three decisions shape how well that works.
Which account pays first
Taxable, retirement and Roth accounts are taxed differently when they are drawn. Required minimum distributions begin in your seventies, and the lower-income years before them are often the time for Roth conversions.
Health cover
Cover before Medicare has to be arranged privately. Once Medicare begins, its premiums rise with income measured two years earlier, so a large sale or conversion can raise them.
What the time is for
A life organized by work has to be organized by something else. The plan pays for it: travel, a foundation, a second career, time with grandchildren.
What it strains, what it draws on
Retirement tends to strain the friendships and the sense of usefulness that work supplied, and it can strengthen optimism, freedom and room for new goals.
Strains: the parts of a life this Transition tends to draw down. Draws on: the parts it can strengthen, and that help carry it. Both come from the Human Wealth ontology.
How the ontology maps TransitionsWho works on it
The work is shared across these Services, alongside your accountant and attorney. Your counsel stays; we keep the plan in one piece.
Common questions
Start with a conversation.
You do not need a balance sheet or a date. Tell us what is changing, and we will tell you plainly whether we are the right office for it.