Will it actually be enough?
We model your retirement against longevity, inflation, healthcare costs, and the years you took out of paid work. Not a single number, but a range you can plan against.
Approaching Retirement
The last decade of work decides the next thirty years.
Five to ten years from retirement is where the most consequential decisions get made, and where most people are flying blind. We build a written, tax-aware plan for the run-up: when to stop, how to draw, what to do with the years in between.
Where we focus
Six questions that deserve real answers.
Tax-aware drawdown design
The order you spend from taxable, tax-deferred, and Roth accounts can change your lifetime tax bill by six figures. We design it on purpose, not by default.
Healthcare bridge
If you retire before 65, we plan the bridge to Medicare, ACA strategy, COBRA tradeoffs, and the income management that keeps premiums affordable.
Social Security timing
Filing too early is the most common, and most expensive, retirement mistake our clients face. We model your options side by side.
Catch-up contributions and Roth conversions
The runway years are your last chance to use these tools intentionally. We map a multi-year sequence with tax brackets, IRMAA, and RMDs in mind.
A written plan you can hold
You leave with a document, not a sales pitch, that says what to do this year, next year, and the year you stop working.
Walk in with a plan, not a guess.
Tell us your timeline. We will tell you what is actually possible.
Schedule your consultation →