Retirement Planning

Let our professionals help you retire comfortably and with confidence.

Retirement Planning

You're ready to retire, but how about your finances?

Whether you are in the planning stage, making the transition now, or are already there, retirement has a lot of moving parts.  Throughout retirement, you’re faced with important decisions that will determine your financial security and lifestyle for the remainder of your life. Many of your choices can be complex and irrevocable.  Transitioning into retirement takes thoughtful preparation and it should be done in a coordinated and comprehensive manner.

Our retirement planning services are designed to help you simplify the complicated, make smart and informed decisions, and avoid costly mistakes.  You’ve worked hard to save for your post-career life, we welcome the opportunity to help you ensure a comfortable and secure financial future.

We Help Answer Your Important Questions:

  • When can I retire? How do I ensure I don’t run out of money?
  • When is it best to collect Social Security?
  • How and when should I take my Pension distribution(s)?
  • What level of lifestyle will my income and assets support?
  • How do I replace my paycheck with income from my assets?
  • Which investment accounts should I draw from first?
  • Are my investments appropriate for my situation?
  • How can I ensure Health Care coverage including Medicare and Long-Term Care planning?
  • How do I minimize taxes?  Are Roth IRA Conversions appropriate?
  • And many, many more…

Your Successful Retirement Starts With a Comprehensive Plan

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Income Sources

In retirement, your income may come from Social Security, pensions, annuities, rental property, and/or part-time work, as well as your investment accounts.  We’ll help you assess all of your resources, and maximize your retirement income in a coordinated and cohesive plan.


Understanding and managing your expenses is a critical factor for retirement success.  Your expenses may differ significantly as you transition into retirement.  Organizing your spending into "wants" and "needs" may help you understand how much flexibility you have to adjust your spending and ensure that you can pay for your most important expenses.

Social Security

Deciding when to claim Social Security benefits is one of the most important retirement decisions you'll make.  Your health, your expectations about longevity, and your lifestyle in retirement all play a role in your decision.  We can help you understand your options and maximize your benefits.


The investment approach you used leading up to retirement may no longer be appropriate, as you may now need to draw from your portfolio to support your retirement income requirements.  We’ll help determine any changes necessary to fit into your overall retirement income plan and to achieve your personal objectives.

Withdrawal Strategy

After decades of saving, starting to draw down your savings can be a challenge.  We can help develop and implement a strategy to make the most of your savings that includes a sustainable withdrawal rate, a sequence for which accounts to draw from, and with a focus on tax minimization.

Tax Planning

Smart tax planning can result in significantly reducing your taxes leading up to and into retirement.  We can help you determine and implement strategies to minimize your retirement tax bill.

Health Care

How to pay for health care is an important consideration as you look ahead to retirement. We can help you prepare for and consider options regarding Medicare, Long-Term Care, and the usage of your HSA account.

Risk Management

Identifying, managing, and mitigating the risks which could potentially derail your personal financial / retirement plan.  This is often accomplished via insurance, such as life, disability, and Long-Term Care, etc.

Don't Let Health Care Costs Sneak Up on You!

It’s not easy to plan for and estimate what your medical needs may be years from now or how your costs may change.  However, we can help you be prepared and consider options available to you, which may include:

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Nearly all Americans enroll in Medicare when they reach age 65.  To make smart decisions about your health care, it’s important to understand the options available to you and how they could affect your individual situation.  We can help evaluate plans best suited to your situation

Long-Term Care (LTC)

Long-Term Care (LTC)

Consider buying long-term care or other supplemental insurance, such as life or liability, to cover expenses not included in Medicare. The best time to purchase a policy is usually in your late 50s to early 60s. If still employed, also consider disability insurance

Health Savings Account (HSA)

Health Savings Account (HSA)

Make the most of a HSA's tax advantages by maximizing your contributions. Whatever you don’t spend from your HSA stays in your account and can build for years. If needed, the money can be withdrawn tax-free for approved medical expenses, and if not, it can be invested for retirement. After 65, you can withdraw funds for any reason without penalty, but you’ll have to pay income tax

Age Related Milestones

Certain retirement planning events are triggered at specific ages, such as when you can begin drawing on Social Security or when you are required to take IRA distributions. Keep these important birthdays in mind as you approach and progress through retirement:

  • 59.5


    Eligible for penalty-free withdrawals from retirement investment accounts.

  • 62

    Social Security

    Eligible to start collecting Social Security.

  • 65

    Health Care

    Enroll for Medicare

  • 67

    Social Security

    Social Security Full Retirement Age (FRA) depending on the year in which you were born.

  • 70

    Social Security

    Maximum Social Security benefits

  • 72, 73, or 75

    Investments (RMD)

    Must begin taking withdrawals known as required minimum distributions (RMDs) from most retirement investment accounts.  Born <1951=72 | 1951-1959=73 | 1960+=75

need objective advice regarding your retirement plan?

You’ve worked hard to save for your post-career life, contact us to help ensure a comfortable and secure financial future.