Retirement Planning Strategies
Building Your Retirement Plan
Creating a roadmap for life after work
Retirement planning is about more than just saving—it’s about ensuring that your money lasts as long as you do. Our advisors help you define retirement goals, identify your ideal lifestyle, and map out a strategy that reflects your unique timeline and resources. Through tools like retirement projections and probability-based modeling, we evaluate how various decisions may impact your long-term security and help you prepare with clarity and confidence.
Retirement Income Strategies
Making your savings last through retirement
We build income plans that help you draw confidently from your retirement savings without depleting them too early. Our strategies balance predictability, flexibility, and tax efficiency.
- Social Security Timing: We help you understand when and how to claim benefits for the best long-term outcome based on your health, marital status, and income needs.
- Pension Elections: If you’re eligible for a pension, we walk you through lump sum vs. annuity options and how they fit within your overall retirement income strategy.
- Withdrawal Plans: We design drawdown strategies across taxable, tax-deferred, and tax-free accounts to minimize taxes and maintain steady income.
- RMD Management: We monitor required minimum distributions and help you plan proactively to avoid penalties and surprises.
- 4% Rule & Adjustments: While we consider rules of thumb like the 4% rule, we tailor withdrawal strategies based on your real-time needs and market conditions.
401(k) & IRA Rollovers
Managing transitions with tax-smart rollover advice
If you’ve changed jobs or retired, deciding what to do with your old 401(k) or IRA can be a key decision. We help you weigh your rollover options, evaluate potential fees, and consider whether consolidating accounts may be right for you. When appropriate, we coordinate with tax professionals to support Roth conversions, manage gains, and keep your plan aligned with your long-term goals.
Protecting Your Retirement
Preserving your plan against the unexpected
A successful retirement plan doesn’t just grow wealth—it safeguards it. We help you maintain the right mix of investments based on your evolving risk tolerance, establish emergency reserves, and plan for long-term care costs. By addressing these risks upfront, we help reduce surprises and give you confidence in the years ahead.
