Strategies for the last 5–15 years before retirement — when the difference between guessing and planning compounds into hundreds of thousands of dollars.
A bad market in years 1–5 of retirement can permanently change the trajectory. Building a plan that accounts for that possibility requires a different approach than focusing solely on maximizing outcome in a spreadsheet.
Retiring before 65 means bridging the gap to Medicare — a five-figure annual line item most plans understate. We model it directly.
Claiming at 62 vs 67 vs 70 is one of the largest financial decisions you'll ever make. The right answer depends on you, your spouse, your tax picture, and your other assets.
The years between retiring and required minimum distributions are often the best Roth conversion opportunity of your life. Most people don't realize that — until they look back.
We work backward from the income you actually want, then design the withdrawal sequence — accounts, asset location, timing — that produces it with the least tax friction.
A multi-year ladder that uses your low-income years deliberately. Potential benefits can include: changes to future RMDs, tax strategies for lowering your tax burden, and efficient inheritance planning for whoever comes next.
Single-life vs joint-life claiming strategies, the spousal interaction, and how each scenario compounds across a 30-year horizon. We model it, you decide.