Contact Us
Financial planning for retirement
Whether you're 10 years out or already figuring out how to make it work, the planning this stage requires is different from anything that came before it.
Connect with an advisor
This might sound familiar
  • You've done the math and you still can't tell if you're on track.
  • You’re unsure if what you've saved can last and work the way you need it to.
  • You're making decisions around which accounts to draw from, Social Security, and even healthcare, but don't know how it all fits together.
Older couple sitting on sailboat looking out at open water

What we've noticed

Knowing how to spend your savings is the hard part

Strategies that built your savings don’t apply to spending them

Distribution phases run on different sets of rules. Which accounts do you draw from first? When can you claim Social Security? How can you structure your portfolio without running out of money? You might’ve ran into these problems without having a chance to prepare.

Rules of thumb aren’t built for you

“Save 10x your salary by 65 or 80% of your pre-retirement income.” These benchmarks exist because they work as rough guidelines for an average person. In retirement, the gap between a generic rule and a plan built for you can be huge. This builds anxiety as you’re not sure which applies to you.

What a financial planner should answer for you

Where to focus financial planning for retirement

Connect with an advisor

Will my money last?​

A real answer accounts for your spending, your timeline, and what happens if something changes along the way.

What your strategy should answer

Planning for the years ahead
Retirement income planning
Building a strategy for how you draw down your assets from the right accounts, at the right time, so your income is both sustainable and tax-efficient across the your retirement.

Social Security optimization

Deciding when and how to claim is one of the highest-value decisions most people make at this stage. We model the options for your situation, including spousal coordination and the tax implications of timing.

Tax-efficient withdrawal sequencing

Which accounts to draw from first, and in what order, has a meaningful effect on how long your money lasts and what you owe each year. We build a sequencing strategy across taxable, tax-deferred, and tax-free accounts.

Pre-retirement transition planning

The 5–10 years before you stop working full-time are the highest-leverage planning window. Decisions made in this period around savings rate, tax positioning, and income timing have an outsized impact on everything that follows.

Healthcare and long-term care planning

Healthcare costs are one of the largest and least predictable variables in retirement. We help you think through coverage strategy, cost exposure, and how to plan for different scenarios.

Portfolio income and spending strategy

Structuring your investment portfolio to generate income in a way that’s sustainable and aligned with your spending.

What working with us looks like

From the first conversation, forward

01

Discovery

We start with a conversation to understand your goals and anything sitting unaddressed.

02

Fit

We match you with an advisor who’s well-suited to work with you.

03

Strategy

We build a coordinated plan around your life now and what you want it to look like.

04

Partnership

We stay in it with you so you don’t have to figure it out alone.

Who we work with

Moments bringing clients to us
01

You’re just not sure your plan is built to last
You’ve made reasonable decisions over the years, but nobody has ever looked at the whole picture.

02

You’re 5–15 years out and starting to take this seriously
The accumulation phase is winding down and the real planning questions are starting to matter. You want to get ahead of them while there’s still time to shape the outcome.

03

You’ve stopped working full-time (or about to)

Income sources are changing. Medicare is on the horizon or already in play. The plan you have may be built for a different chapter, and it needs to catch up to this one.

04

You’re navigating this after a significant life change
A divorce, a death, a career that ended earlier than expected. The financial picture is more complicated than it was, and the decisions feel more consequential.

What we hear often

Frequently asked questions

Contact us
“Enough” isn’t a fixed number. It’s a function of how you spend, how long the money needs to last, and how much flexibility you have in either. The rules of thumb give you a benchmark. They don’t tell you whether that benchmark applies to your accounts, your income sources, or your actual spending. What we give you is a strategy built for your specific situation and a clear view of what changes if a major variable shifts.
That depends on whether your current plan is built for this stage of life. We’re happy to look at what you have. If it’s solid, we’ll tell you. If there are gaps, we’ll show you specifically where they are.

That’s one of the most important things to plan around. Some of our clients work because they want to and not because they have to. Understanding that distinction changes how you structure everything. We build plans for people who want options.