This approach is designed for a specific stage of life—and a specific kind of retirement planning challenge.
WHO WE’RE A GOOD FIT FOR
We work best with people in the early years of retirement who want clarity around how income, investments, and taxes fit together.
We’re a good fit if you:
- Are within roughly five years of retirement—or recently retired
- Want confidence around what you can sustainably spend
- Are concerned about unnecessary taxes, Medicare surcharges, or RMDs
- Prefer thoughtful, coordinated planning over one-off recommendations
- Value clarity, simplicity, and long-term decision-making
WHO WE’RE NOT A GOOD FIT FOR
Our approach is intentionally focused. It won’t be the right match for everyone—and that clarity matters.
We’re likely not a good fit if you:
- Are many years away from retirement and focused primarily on accumulation
- Are seeking aggressive tax minimization or complex strategies
- Want investment selection without integrated income or tax planning
- Need services outside our focus, such as stand-alone charitable planning, estate document drafting, or Medicaid planning.
Many excellent advisors specialize in those areas. Our focus is simply different.
Retirement works best when income, investments, and taxes are planned together—not in isolation.
A Clear, Confident Retirement Income Plan
Turning savings into income works best when spending decisions, personal preferences, and strategy are aligned from the start.
Clarify Spending
We start by clarifying what sustainable spending looks like—so you can understand what your retirement lifestyle supports, not just what the market might allow in a single year.
Align Income Style
Next, we align your income strategy with how you actually want to live in retirement—balancing reliable income, flexibility, and resilience across market conditions.
Design Income Plan
Finally, we design an integrated income plan that coordinates withdrawals, investment structure, and tax considerations—helping you avoid unnecessary tax surprises while supporting long-term sustainability.
Clear planning today helps prevent costly surprises later.
Clarify What Sustainable Retirement Spending Looks Like for You
Understand what you can sustainably spend each month, based on your actual savings, income, and goals.
Our Retirement Spending Snapshot helps you understand what your assets and income can realistically support—providing a clear reference point for planning decisions and ongoing adjustments.
Design how retirement income works for you
Once you understand what you can sustainably spend, the next step is deciding how income should behave in retirement—not just where it comes from.
We help you design an income strategy that coordinates withdrawals from savings, benefits, and investments in a way that reflects your preferences for flexibility, stability, and long-term confidence—while remaining mindful of tax consequences over time.
The Retirement Income Style Awareness® (RISA®) assessment supports this process by clarifying how you prefer income to function. It helps identify whether you value flexibility, reliability, or a balance of the two, so your income strategy aligns with how you want retirement to feel—not just how the numbers work.
BRINGING it all Together
Once you’ve clarified what you can sustainably spend and how you prefer income to behave, the final step is bringing everything together—aligning income, investments, and tax planning into a cohesive retirement income strategy.
Our book on retirement income planning lays out this framework in detail. It shows how spending decisions, income style, risk management, investing, and tax planning work together to create a durable income plan designed to support your life over time.
A thoughtful approach to retirement income planning
Backed by disciplined investing and careful tax planning.
If you’re looking for a clear, coordinated way to turn savings into sustainable retirement income—and value a long-term planning relationship—we’re happy to talk through your situation and answer your questions.