Retirement Income Planning

Creating reliable retirement income requires careful coordination of various income sources, tax considerations, and timing decisions. Whether you need a comprehensive income strategy or focused guidance on specific decisions, I offer both a Comprehensive Retirement Plan and ad hoc hourly consultations to help you build a sustainable retirement income plan.

Create personalized Social Security claiming strategies

that consider your full financial picture, including factors like spousal benefits, longevity expectations, and how timing affects your lifetime benefits

Evaluate pension options

by analyzing the trade-offs between lump sums and lifetime income streams, considering factors like inflation protection, survivor benefits, and your other income sources

Design strategies to efficiently manage Required Minimum Distributions

while coordinating with your other income sources and tax planning goals

Analyze opportunities for Roth IRA conversions

to potentially reduce future tax burden, considering timing, tax brackets, and long-term distribution planning

Calculate sustainable spending rates

based on your unique situation, including factors like market conditions, inflation, longevity risk, and your specific income needs and goals

Evaluate whether annuities might fit your income strategy

by analyzing costs, benefits, and alternatives to help determine if guaranteed income products align with your retirement goals