Retirement Planning

Retirement, planned forward and backward.

A drawdown strategy that lasts as long as you do.

What you get

A written retirement income plan — which accounts to draw from and when.
Social Security claiming analysis based on your actual earnings record.
Tax-aware withdrawal sequencing across traditional, Roth, and brokerage accounts.
Medicare and long-term care planning coordinated with your retirement income.

My approach

The average retirement lasts 25 years. That’s a long time for a single-sheet drawdown rule to hold up. I build plans that account for Social Security timing, Roth conversion windows, and Medicare IRMAA thresholds — the details most calculators skip.

How the engagement works

1
Retirement vision
We talk about what retirement actually looks like for you. Travel? Part-time work? Moving?
2
Income modeling
I map every income source — Social Security, pensions, rental, portfolio — against projected expenses.
3
Withdrawal strategy
We decide the draw sequence that minimizes lifetime tax and maximizes plan longevity.
4
Stress-testing
We run the plan against recession scenarios, longevity scenarios, and healthcare shocks.

Common questions

When should I start planning?: The last five years before retirement are the highest-leverage planning years — Roth conversions, Social Security decisions, and income sequencing all compound from here. Sooner is better.
How do we start?: We start with a 30-minute introductory conversation. No cost, no pitch — just a chance to see whether we’re a fit for what you’re working on.
What does this cost?: Fees depend on scope. I’ll outline the full cost structure during our intro call so you can decide if it makes sense to move forward.
Do you work with people outside my state?: I can work with clients in states where I’m properly registered. The footer lists every state on my registration.

Let’s talk about retirement planning.

Schedule a meeting