Retirement Planning

Retirement is a phase, not a finish line.

The hardest financial question most people will ever answer isn’t “how do I save?”—it’s “how do I turn what I saved into a paycheck I won’t outlive?” That’s the work of retirement planning.

The two halves of retirement planning

• Accumulation. Building the asset base—maxing the right accounts, choosing the right vehicles, getting the tax treatment to work in your favor.
• Distribution. Turning the asset base into reliable income. Which accounts to draw from, in what order, how to manage Social Security timing, and how to keep taxes from eating away at it.

What we’ll work through together

• A target retirement income number—what you actually need, not a generic rule of thumb
• A drawdown sequence that minimizes lifetime taxes
• Social Security claiming strategy, including spousal considerations
• Healthcare and long-term care costs—often the biggest unknown
• A market-volatility plan, so a bad first year doesn’t define the next thirty
• Estate coordination—how your retirement assets pass to the next generation

Not retired yet?

If you’re 5–15 years out, this is the most leveraged window you have. Catch-up contributions, Roth conversion strategy, asset location, and rebalancing decisions made now compound for decades. Don’t wait until the year you hand in your two-week notice.