A paycheck you design
We build a monthly distribution from your accounts that mirrors the predictability of a salary, covering essentials first, lifestyle second, surprises third.
Income Planning in Retirement
The work may end. The income shouldn't.
Saving for retirement and spending in retirement are two different disciplines. We build the second one: a tax-aware, longevity-first distribution plan that turns a portfolio into a paycheck, and keeps it coming for as long as you need it.
Where we focus
Six layers of a durable retirement income plan.
Tax-aware withdrawal sequencing
Which account funds January's expenses, and which funds December's, can change your lifetime tax bill dramatically. We map it across decades, not quarters.
Longevity-first modeling
Plans built to age 85 fail the clients who reach 95. We default to longevity, then adjust, the more conservative direction is the right one.
Healthcare and long-term care
Medicare strategy, supplemental coverage, IRMAA management, and a clear-eyed plan for the cost of care if you need it.
Inflation and market shocks
A retirement income plan should survive a 30% market drop in year three. We stress test it, then build investment layers that absorb the hit, so you can keep living.
Required minimum distributions
RMDs are not a surprise, they are a calendar event. We integrate them with Roth conversions, charitable giving, and your bracket plan years before they begin.
An income plan built to outlast you.
Tell us what your retirement looks like. We will show you what it costs - and how to fund it on purpose.
Schedule your consultation →