What We Do — Retirement Income Coordination Built to Last

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

Rather than delivering static projections or one-time recommendations, our work centers on ongoing judgment and structured coordination. The goal is clarity and confidence around spending — so retirement income remains intentional, adaptable, and resilient as life and markets change.

How We Approach the Work

Retirement does not unfold according to a single document. Spending, investing, and tax decisions interact continuously and must be revisited as circumstances evolve.

Our work is designed to support clear, coordinated decision-making throughout retirement — not to produce a one-time output that quickly becomes outdated.

We begin by identifying what level of spending your resources can reasonably support and how you want income to function over time.

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

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

This coordination typically includes:

• Investment structure aligned with spending needs and risk preferences
• Thoughtful sequencing of withdrawals with attention to tax impact and cash-flow timing
• Evaluation of tax-sensitive decisions such as Roth conversions, required distributions, and healthcare-related thresholds

The emphasis is on clarity and integration — not constant tactical adjustment.

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

Ongoing coordination may include:

• Discretionary investment oversight and portfolio management, where applicable
• Periodic reviews to confirm prior decisions remain aligned with current circumstances
• Forward-looking tax strategy integration and review of completed CPA-prepared returns
• Scheduled coordination meetings, with additional support when meaningful changes occur

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

Creating steady retirement income isn’t about choosing a single account to draw from. It’s about aligning income, investments, and tax strategy 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 strategy integrated throughout the year — not handled in isolation

The goal is not to predict the future. It is to understand what your retirement income structure can support today — and to adapt thoughtfully as conditions change.