Retirement is about time. It is a place of YOU choosing what you want to do, who you want to do it with, and when you want to do it.

For many people, the previous retirement model of quitting work at age 65 and focusing all your time on leisure activities no longer holds the appeal that it used to.

Many have realized that a life of only leisure does not lead to fulfillment. Many people are looking for a way to balance purpose in work, spending time building relationships with friends and family, and enjoying travel and leisure activities. With life expectancy increasing, this phase of your life could last 30-40 years.

Are you financially prepared for this next chapter?

Taxes in Retirement

Taxes can eat away up to a third or more of your retirement savings! 

  • Do you know how your income sources will be taxed? Pensions, Social Security, IRA and Roth distributions, reverse mortgages, dividends, interest, and continued employment.
  • Do you have an estimate of what your tax bracket will look like throughout retirement and how to strategically pay your taxes?

Do you have a plan on how to blend these different sources of income together and minimize your tax burden during your retirement?

Grow and Protect Your Assets

Some of the behaviors and rules you followed to successfully grow your assets while you were saving can hurt you when you start distributing your assets as income. 

  • Do you understand how the ups and downs in your portfolio will impact your assets differently in distribution than it did when you were saving money?
  • Do you understand the “Sequence of return risk” and how a large decline in your early years of retirement can impact how long your portfolio will last versus a large decline towards the middle or end of your retirement?

Do you have a strategy to help minimize losses during a bear market?

Income in Retirement

There are many sources of income in retirement and they differ in how long they last, how they are taxed, and how stable they are. 

  • What income sources do you have access to?
  • What sources are guaranteed for your lifetime?

What sources have tax advantages?

Health Care Plan

The cost of health care and covering an unexpected injury, illness or disability is one of the top concerns for those entering retirement. 

  • Do you have a plan for when to apply for Medicare and how to minimize your Medicare premiums?
  • Have you incorporated health expenses into your retirement income plan?

Do you have a plan in the event that you or a family member has an unexpected long-term disability?

We help our clients understand their current financial situation. Then, help them to identify their ideal retirement and put a plan in place to achieve and maintain that retirement. We do this by implementing strategies to reduce risk, minimize taxation, and create sustainable income streams.


If you are interested in finding out more about how to create a sustainable retirement income plan then complete the brief questionnaire below and we will reach out to you to set a time to discover what your next steps are.