What We Do —Ongoing Retirement Coordination

We help households approaching retirement and in the early years of retirement coordinate spending, income, taxes, and investments as circumstances change.

Rather than evaluating these decisions independently, we consider how they interact, what trade-offs they create, and how decisions made today may affect the choices available later.

Our work is ongoing because retirement decisions do not occur all at once. Spending changes, income sources begin at different times, tax considerations evolve, markets affect available resources, and new decisions emerge throughout retirement.

The objective is to provide a structured process for evaluating those decisions together and making informed adjustments over time.

What We Coordinate

Our work follows the Retirement Coordination Framework™:

Spending → Income → Taxes → Investments

Each area provides context for the decisions that follow.

Spending Strategy

We begin with what your retirement resources need to support.

Our work includes:

• Reviewing current spending and anticipated retirement needs
• Identifying larger or less frequent expenses that may affect available resources
• Establishing spending guardrails based on available retirement resources and household priorities
• Revisiting spending as circumstances and priorities change

Spending establishes the objective around which income, tax, and investment decisions are coordinated.

Income Architecture

We evaluate how available retirement resources can work together to support spending.

Our work includes:

• Reviewing Social Security, pensions, and other reliable income sources
• Coordinating portfolio withdrawals and account distributions
• Evaluating the timing and sequencing of retirement income sources
• Reviewing cash reserves and near-term liquidity needs
• Adjusting the income structure as spending needs and other circumstances change

The objective is to create a practical income structure that supports spending while preserving flexibility for future decisions.

Tax Strategy & Coordination

We evaluate tax considerations in relation to spending and income decisions rather than treating taxes as a separate annual exercise.

Our work includes:

• Coordinating withdrawals and Roth conversion decisions within a multi-year tax framework
• Preparing annual tax projections and evaluating relevant tax brackets, thresholds, and planning opportunities
• Evaluating required minimum distributions, charitable giving, capital gains, and other tax-sensitive decisions when applicable
• Reviewing completed tax returns for information that may affect current and future retirement decisions
• Coordinating relevant planning decisions with your tax preparer when appropriate

Tax return preparation and filing are separate from our advisory work. Our role is to evaluate how tax considerations affect retirement decisions over time.

Investment Alignment & Implementation

Investment decisions are evaluated in relation to the responsibilities retirement resources need to fulfill.

Our work includes:

• Aligning investment positioning with spending needs and income structure
• Reviewing portfolio construction, allocation, and rebalancing needs
• Coordinating investment decisions with withdrawal and tax planning
• Evaluating liquidity needs and the responsibilities assigned to different retirement resources
• Implementing recommendations through advisor-managed accounts or providing guidance for client-directed implementation, depending on client preference

Some clients prefer to delegate investment implementation, while others prefer to manage their own accounts. In either arrangement, investment decisions remain coordinated with spending, income, and tax considerations.

How the Work Continues Throughout the Year

The initial coordination work establishes the starting point, but retirement decisions continue to evolve.

Our ongoing advisory relationship follows a structured annual rhythm of reviews, analysis, recommendations, and written updates.

Tax & Income Alignment Review
Uses completed tax results to calibrate current-year income and tax decisions.

Spring Planning
Evaluates spending, income, taxes, and investments and establishes direction for the year ahead.

Mid-Year Snapshot
Provides a written mid-year checkpoint on where things stand, what has changed, what has been accomplished, and what may require attention.

Fall Strategy Review
Addresses time-sensitive year-end decisions and identifies considerations for the coming year.

Year-End Review
Provides a written summary of the advisory work completed during the year and identifies matters carrying into the next planning cycle.

Each review builds on prior work and provides another opportunity to evaluate whether circumstances have changed or existing recommendations should be revisited.

See how the Annual Planning Rhythm supports ongoing retirement coordination throughout the year.