Retirement Income Planning

From building it up to drawing it down

Your whole adult life, from a financial standpoint, has been about accumulation, stacking up assets, whatever form they took: real estate, life insurance, precious metals, cryptocurrency, stocks and bonds, a business of your own.

Seniorhood flips that mindset. Now it's about distribution, organized, strategic, well-timed distribution. The goal is multiple, ample, passive income streams that are dependable, flexible, and sustainable. Get that right, and the rest of your retirement has room to breathe.

There's no single right way to build those streams. There are several, and most good plans use more than one.

A note on how we work the investment side

We advise directly on the insurance-based pieces of your income plan, Social Security strategy, permanent life insurance and LIRPs, and annuities. When your plan calls for managing market investments, your 401(k) and IRA assets, or a non-qualified portfolio of stocks and bonds, we bring in a registered investment advisor partner who is separately licensed to do exactly that. You get the full picture from one coordinated team, with the right specialist on each piece. Nothing falls through the cracks, and nothing is handled by someone who isn't licensed for it.

We got good at the planning

A list of options isn't a plan. This is:

First, we get to know you.

Your wants and needs, your wishes and hopes, and the assets and income you actually have to work with. We'll review an updated, personalized budget that reflects your new typical spending pattern, not your working-years one.

Then we run the numbers, over and over.

Once we have your data, we use our Retirement Analyzer software to model it, and then we stress-test it with "what if" scenarios against the risks that can quietly derail a retirement:

• Inflation eroding your purchasing power
• Sequence-of-returns risk early in retirement
• The loss of a spouse, where that applies
• Changes in tax law
• Longevity, the happy problem of living longer than the plan assumed

Then we land on a solution.

Our aim is what we call a symbiotic relationship between your lifestyle and your income, a plan that checks every box and gives you real, long-term peace of mind. Your ownership of and comfort with the plan sits at the very top of our criteria.

Then we stay.

To reinforce that peace of mind, we stay in touch year-round, regularly reviewing and updating the numbers, and resolving anything that's giving you hesitation or uncertainty before it becomes a problem.