RETIREMENT PLANNING
The decade before and after retirement is the most consequential of your financial life.
I help you answer the questions that matter: How much is enough? When can I retire? How do I turn savings into income that lasts 30+ years?
Retirement Income Planning
Most financial plans tell you how to accumulate wealth. Few tell you how to spend it wisely. I build a specific withdrawal strategy - which accounts to draw from first, in what amounts, and in what order - to minimize taxes and make your money last.
Social Security Optimization
When you claim Social Security can make a significant difference in your lifetime benefits - often tens of thousands of dollars or more. I model your specific situation - including spousal benefits, survivor benefits, and the interaction with other income sources - to identify the optimal claiming strategy.
Medicare Planning
Medicare decisions made at 65 can have lasting financial consequences. I help you navigate enrollment windows, plan selection, and the income-related premium adjustments that affect higher earners - so you avoid costly mistakes and choose coverage that fits your situation.
RMD Strategy
Required Minimum Distributions create taxable income you may not need. I plan ahead - using Roth conversions, qualified charitable distributions, and account sequencing - to minimize the tax impact over your lifetime.
• Retirement readiness projections and scenario analysis
• Inflation-adjusted income planning
• Long-term care planning and insurance review
• Survivor income analysis for couples
• Pension maximization strategies
Ready to get started?
Schedule a complimentary 30-minute call. No obligation.