Clarify what retirement spending looks like for you
Understand what you can sustainably spend each month, based on your actual savings, income, and goals.
✅ What We Need to Personalize Your Snapshot
To get started, you’ll answer a few quick questions about:
- Your age and expected retirement date
- An estimate of your savings and retirement accounts
- Your Social Security and other income sources (if applicable)
- How you prefer income to behave in retirement
🕒 What to Expect
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Complete a short form (about 2 minutes)
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I’ll review your information and prepare a personalized spending snapshot
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Your Snapshot arrives within one business day, with clear insights and next steps
🛡️What you’ll gain from your Snapshot
- A clearer view of sustainable retirement spending
- Context around how spending choices affect long-term outcomes
- A tax-aware perspective on income and withdrawals
Designed as a thoughtful first step for households interested in ongoing retirement planning.
Clarify your retirement spending
🔍 What’s Included In Your Snapshot
- An estimated sustainable spending range
- A view of how spending may adjust over time
- Clear charts showing income and spending together
- Context specific to your situation
Clarify your retirement spending
📈 Clarify How Prepared You Are For Retirement Spending
The Retirement Spending Snapshot helps you understand how your current resources support retirement spending—so decisions are based on clarity, not guesswork.
Using your information, your Snapshot will show:
- How your savings and income sources support retirement spending
- A sustainable spending range based on your situation
- Areas where your plan appears more resilient, and where adjustments may be needed
- How spending flexibility can change under different conditions
It’s a practical way to understand where you stand today—and what questions matter most as you plan your next steps.
🔒Privacy and Confidentiality
Your information is handled with care and confidentiality, consistent with the professional standards I follow in my work. Your details are never sold or shared.
🎁 Optional follow-up
You’ll have the option to schedule a brief, complimentary conversation to review your Snapshot and discuss next steps, if helpful.
❓A Common Retirement Planning Question: How Much Can I Spend?
As retirement approaches, many people find themselves asking the same practical question: how much can I sustainably spend each month without putting long-term plans at risk?
Spending too freely can create uncertainty later on. Spending too cautiously can limit the life you’ve worked hard to build. The challenge is finding a spending level that supports both today and the years ahead.
That’s where clarity helps.
The Retirement Spending Snapshot provides a personalized view of how your savings, income sources, and timing interact—helping you understand a sustainable spending range and how flexible that spending may be over time.
This Snapshot is designed as a thoughtful first step for households interested in ongoing retirement planning, investment management, and tax planning.
Clarify your retirement spending
📈A Clear Path Toward Sustainable Retirement Spending
Retire with Confidence and a Plan You Can Count On
Turning savings into retirement income works best when spending decisions are grounded in clarity and revisited over time.
The Retirement Spending Snapshot helps you understand how your savings, income sources, and timing come together—so spending decisions feel informed, not reactive.
Here’s how we approach it:
Step 1:Clarify spending
We review your savings and income sources to estimate a sustainable monthly spending range based on your situation.
Step 2:Align Income Approach
We look at how income should behave over time—considering flexibility, stability, and tax awareness—so future strategies support your spending needs.
Step 3:Design the broader plan
We bring spending clarity and income preferences together with investments and tax planning into a coordinated retirement income strategy.
Designed as a thoughtful first step for households interested in ongoing retirement planning.
Clarify your retirement spending
🏅 About Mark Sharp Retirement
Mark Sharp Retirement is a boutique planning firm focused on helping individuals and couples transition from saving for retirement to living on it—through disciplined income planning, thoughtful investing, and careful tax coordination.
Our work centers on turning accumulated savings into sustainable retirement income, using a clear, structured approach rather than one-size-fits-all solutions.
- Focused on retirement income planning - We specialize in helping retirees and near-retirees understand spending, income strategy, and long-term sustainability.
- Integrated planning perspective - Mark Sharp holds professional designations in financial planning, retirement income planning, and taxation, allowing investment, income, and tax decisions to be coordinated rather than siloed.
- Author and educator - Mark is the author of How to Generate Retirement Income, which outlines the same framework used in client planning—moving from accumulation to sustainable income.
A Clearer Way to Understand Retirement Spending
Many people nearing retirement want a grounded answer to a practical question: how much can I sustainably spend each month without creating problems later on?
The Retirement Spending Snapshot provides a personalized view of how your savings, income sources, taxes, and timing work together—so spending decisions are based on your actual situation, not rules of thumb.
Instead of generic withdrawal assumptions, the Snapshot shows:
- A realistic spending range for the near term
- How retirement income sources work together
- Where taxes influence cash flow
- How spending flexibility fits into longer-term planning
It’s a simple, practical starting point for households that want clarity before making broader retirement income decisions.
FAQ
- Who is the Retirement Spending Snapshot for?
The Snapshot is designed for people who want a clearer view of retirement spending—whether you’re recently retired or planning. If you’ve been wondering how your current savings and income support retirement spending, the Snapshot provides a personalized starting point. - What makes this different from online retirement calculators?
Most calculators rely on generic assumptions or a single withdrawal rule. The Retirement Spending Snapshot uses your actual income sources, tax situation, retirement accounts, and timing to estimate a realistic spending range based on your circumstances. It’s a personalized view of how income and spending interact, rather than a one-size-fits-all estimate. - What information do you use to estimate my spending?
The Snapshot is built using information about your income sources, savings, taxes, and retirement timing. Instead of relying on averages, it shows:
- A near-term spending range based on your situation
- How your retirement income sources work together
- Where taxes influence cash flow
- How flexibility fits into longer-term planning
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How accurate is the snapshot?
The Snapshot isn’t a prediction of the future. It provides a practical spending range for the next 12 months based on current information. Think of it as a clear reference point for planning discussions—not a fixed forecast. - Does this replace a retirement plan?
No. The Snapshot focuses on one foundational question:
“How does my current income and savings support retirement spending right now?”
More comprehensive planning—such as long-term income design, investment coordination, and tax planning—is handled separately as part of an ongoing planning relationship. - What happens after I receive my Snapshot?
You’ll receive a customized PDF that outlines your estimated spending range, summarizes income sources, and highlights key tax and withdrawal considerations. If it’s helpful, you can schedule a follow-up conversation to discuss how this fits into broader retirement planning. - How long does it take to receive my results?
Typically, within one business day.
Next Steps Toward a Complete Retirement Plan
The Retirement Spending Snapshot is designed as a starting point. For households interested in a more complete retirement income plan, the next steps build on that spending clarity.
✅ Align your income approach (RISA® Assessment) → The Retirement Income Style Awareness® (RISA®) assessment helps clarify how you prefer income to behave—so future strategies support both spending needs and personal comfort with flexibility and stability.
✅ Understand the full planning framework → How to Generate Retirement Income outlines the broader approach to coordinating spending, income strategy, investments, risk management, and tax planning into a cohesive retirement income plan.
✅ Optional follow-up conversation — If helpful, you may schedule a complimentary 15-minute conversation to review your Snapshot and discuss how these next steps could apply to your situation.
Clarity Around Retirement Spending
The Retirement Spending Snapshot helps you understand how much you can sustainably spend, based on your savings, income sources, taxes, and retirement timing.
You’ll receive a personalized Snapshot within one business day, designed to provide a clear starting point for broader retirement income planning.
Designed as a thoughtful first step for households interested in ongoing retirement planning.
