Test the timing
Compare working longer, stepping back gradually and retiring on your preferred date.
Retirement planning compares future spending with savings, investments, benefits and potential business proceeds to evaluate when and how you could leave work.
A retirement plan connects your intended spending with the resources available to fund it.
Compare working longer, stepping back gradually and retiring on your preferred date.
Consider business income, investments, Social Security and any pension together.
Allow for taxes, healthcare, inflation and a retirement that lasts longer than expected.
We test the assumptions so you can see where flexibility may be needed.
Compare your resources with the spending and work schedule you have in mind.
Separate essential expenses from flexible spending and identify potential income sources.
Evaluate benefit timing and pension choices within your household plan.
Compare account withdrawals and conversion amounts across projected tax years.
Include healthcare costs, inflation and the possibility of a longer retirement.
Coordinate your estate goals and revisit the plan as circumstances change.
Retirement decisions
The timing and sources of income shape the work across your financial plan.
Household spending, family commitments and other goals establish the income you need.
Expected withdrawals help determine cash reserves and the appropriate investment risk.
Account withdrawals, conversions and investment gains can affect taxes over several years.
Suppose you hope to retire within 5 years, with taxable investments, traditional and Roth retirement accounts, and future Social Security benefits.
Hypothetical illustration, not a client result or a guarantee of retirement income.
Financial planning
What spending could your resources support if returns were lower or retirement lasted longer?
Investment management
How much cash would you need before drawing on longer-term investments?
Retirement planning
How would different claiming dates affect household and survivor income?
Investment management
Which accounts could fund each year, taking projected taxes and required distributions into account?
Retirement planning
How would healthcare needs and the assets you hope to leave to others affect spending?
We compare expected spending with savings, investments, benefits and business income or potential sale proceeds. Testing different assumptions shows where additional saving, a later date or flexible spending may be needed.
Set the spending assumptions and priorities behind retirement.
Align portfolio risk with the income you expect to draw.
Discuss your needs in a complimentary 20-minute introduction. See how we work before your call.