Retirement Income Planning

  • How much money do I need to retire?
  • When should I take my Social Security benefits?
  • How long will my money last in retirement?
  • Should I take my pension as a lump sum or lifetime annuity?
  • Is a 4% withdrawal rate right for me?
  • Will my spouse and I really spend $250,000 or more on healthcare in retirement?
  • Is the stock market too risky after I retire?

These are just a few of the retirement planning questions we help our clients answer. Every situation is different, but by understanding your retirement goals and current financial position, we can help you plan for your retirement years. We'll ask you to think about what you want from retirement; not only how you plan to spend your money, but also how you plan to spend your time. Once we understand where you are at now and what you want retirement to look like, we will help you with both the accumulation and distribution phases of retirement planning.


  • Provide projections of retirement lifestyle expenses and the wealth required at retirement to support that lifestyle
  • Help to ensure your family can continue their current lifestyle now and in retirement if something were to happen to you
  • Provide guidance on how to balance competing financial goals with your retirement income objectives
  • Provide investment recommendations to help you pursue your wealth accumulation goals
  • Integrate your potential retirement income sources (qualified plan, non-qualified plan, annuities, social security, pension, taxable accounts) into a cohesive retirement income plan
  • Consider your potential need for lump sums in retirement for home repair, auto replacement, or helping children or grandchildren
  • Discuss your estate planning needs to help ensure your wishes are carried out
  • Project how required minimum distributions will affect your retirement income planning
  • Review progress towards goals over time and make adjustments as needed.


  • Provide alternative strategies to convert your retirement nest egg into a retirement income stream
  • Help you to maintain a sustainable spending plan over retirement that may improve on an inflation adjusted 4% withdrawal rate
  • Discuss your expected level of debt in retirement and a plan for servicing it
  • Provide guidance on when to take Social Security and how that affects retirement income planning
  • Illustrate how required minimum distributions and taxes will impact your retirement income
  • Review potential levels of health care expenses and how to fund these
  • Discuss how legacy or philanthropic goals will affect retirement income planning

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