Retirement income isn’t a one-time calculation or a single strategy.
It’s an ongoing process of coordinating spending, income sources, investments, and taxes over time.

This section explains how retirement income actually works—and why coordination matters more than most people expect.

If You’re New Here

If you’re exploring whether Mark Sharp Retirement may be a good fit, the resources below explain how retirement income decisions are coordinated over time and how we help clients approach those decisions with clarity.

This firm specializes in retirement income coordination for retirees and near-retirees—not general financial planning.

The Retirement Income Coordination Framework

Reliable retirement income comes from coordinating income, investments, and taxes over time—not treating them as separate decisions.

We start with spending needs, then align income sources, withdrawal choices, and tax effects, adjusting as life circumstances, markets, and rules change. This framework guides how we work with clients—not as a one-time plan, but as an ongoing way of making informed retirement decisions.

How We Work

Guidance is provided through flat-fee, project-based coordination engagements and, when appropriate, ongoing advisory relationships. Hourly services are not offered.

Those interested in working together are encouraged to review engagement options and pricing before scheduling a conversation.

Understanding IRMAA: Why Medicare Premiums Surprise Retirees
How income timing and tax decisions can trigger higher Medicare premiums years later—and why this often catches retirees off guard.
→ Read the guide

How Retirement Income Really Works (and Why Taxes Matter More Than You Think)
How retirement income is assembled from multiple sources, why timing matters, and why taxes play a larger role than most retirees expect.
→ Read the guide

Withdrawal Sequencing Explained: How Retirees Pay Themselves Over Time
How withdrawal choices across accounts shape taxes, flexibility, and long-term income reliability.
→ Read the guide

Why Investment Returns Matter Less Than Income Coordination in Retirement
Why coordinating income, withdrawals, and taxes often matters more than chasing market returns once retirement begins.
→ Read the guide

These guides are designed as reference material. Each stands on its own, but together they explain how retirement income decisions interact over time.

If you’re evaluating advisors and want to understand how retirement income decisions are coordinated in practice, this is a good place to start. Details on our initial, scope-defined engagement options—including pricing—are available on the Project Options & Pricing page.