"When can I stop working?"
We model a few retirement dates side by side so you can see what an extra year buys you, and what leaving early costs.
Retirement planning
The question is not how much you have. It's how much you can spend.
A balance is not a plan. We turn your accounts, pensions and Social Security into a monthly number, then test it against the things that break retirements: living a long time, taxes, healthcare, and a bad market in the first few years.
Lets Talk
Questions we answer together
"When should I take Social Security?"
Claiming age is one of the few irreversible decisions in retirement. We run it as a couple, not as two individuals.
"Which account do I spend first?"
Sequencing withdrawals across taxable, tax-deferred and Roth money can change what you keep over a thirty-year retirement.
"What if the market drops the year I retire?"
We build the first several years of income so it doesn't depend on selling into a downturn, and we tell you where the guarantees come from.
"What about healthcare before Medicare?"
The gap between leaving a job and turning 65 is where early retirements often get expensive. We price it in advance.
"What happens to the survivor?"
One pension check stops, one Social Security check stops, and the tax brackets change. We plan for that before it happens.
What you'll walk out with
A written plan you can hand to your spouse or your accountant and have them understand it on the first read.
A monthly income figure
In today's dollars, after tax, with the assumptions written down.
A withdrawal order
Which account funds which year, and why.
A protection summary
What's covered, what isn't, and what we suggest you skip.
A review schedule
Dates on the calendar, not a promise to stay in touch.
Bring your statements. We'll bring the questions.
The first meeting costs nothing and commits you to nothing.