What We Do — Retirement Income Planning Built to Last

At Mark Sharp Retirement, we help people in the early years of retirement make well-coordinated decisions about income, investments, and taxes—recognizing that these choices interact and evolve.

Rather than producing static plans or one-time projections, our work focuses on ongoing judgment and coordination. The goal is to bring clarity and confidence to spending decisions, so retirement income feels intentional, adaptable, and resilient as life and markets change.

Our Planning Process

How We Think About the Work

Retirement doesn’t unfold according to a single plan. Decisions around spending, investing, and taxes interact over time and need to be revisited as circumstances change.

Our work is structured to support clear, coordinated decision-making throughout retirement, rather than producing a one-time plan that quickly becomes outdated.

We begin by clarifying what level of spending your resources can support and how you want retirement income to behave over time.

This step establishes guardrails around spending and flexibility, creating a practical starting point for evaluating future decisions.

Next, we bring the key retirement decisions into alignment—recognizing that income choices, investment structure, and tax considerations influence one another.

This coordination typically includes:

• An investment structure designed to support spending needs and risk tolerance
• Thoughtful sequencing of withdrawals with attention to taxes and cash-flow timing
• Evaluation of tax-sensitive decisions, such as Roth conversions, required distributions, and healthcare-related thresholds

The emphasis is on coordination and clarity, not constant adjustment or tactical optimization.

With a clear framework in place, we continue to support decision-making as retirement unfolds.

This ongoing work may include:

• Investment oversight and portfolio management, where applicable
• Periodic reviews to assess whether prior decisions remain aligned with current circumstances
• Ongoing tax coordination and tax preparation, when included in your service
• Scheduled review meetings, with additional support when meaningful changes occur

This approach helps ensure decisions remain intentional as markets shift, tax rules evolve, and life circumstances change.

Creating a steady retirement paycheck isn’t about choosing a single account to draw from. It’s about coordinating decisions so your resources can support your life over time.

At Mark Sharp Retirement, that means:

• Income decisions grounded in your priorities, timeline, and desired flexibility
• Investment management aligned with how and when savings are intended to be used
• Tax considerations integrated throughout the year, rather than handled in isolation

The goal isn’t to predict the future. It’s to help you understand what your retirement income framework can support today—and how to adapt thoughtfully as conditions change.