Retirement Income Strategies
Saving For Retirement Is Only
Half the Challenge
Many people spend decades focused on accumulating assets and then find themselves unprepared for the very different challenge of turning those assets into reliable income. We help you think through how to make that transition with confidence.
The Shift from Saving to Spending
Is a Different Game
For most of your working life, the goal was simple: save more. In retirement, the question changes entirely and when you no longer have income from an employer, the stakes become much higher.
How much can I actually spend?
Spending too conservatively means sacrificing the retirement you worked for. Spending too freely risks running out of money. Finding the right balance isn’t intuitive.
What if markets drop right after I retire?
Early-retirement losses can be especially damaging. Without an income strategy, a market downturn at the wrong time can permanently reduce your financial runway.
Which accounts should I draw from first?
The order in which you draw from different account types: taxable, tax-deferred, tax-advantaged, can meaningfully affect how long your money lasts and your overall tax exposure.
How do I create income from a variable portfolio?
Markets go up and down. Your rent, utilities and healthcare don’t. Creating a sense of stability from an unpredictable portfolio requires deliberate planning.
Coordinating Income Sources
Around Your Life
We help clients evaluate how different sources of retirement income: investments, Social Security, pensions and other assets may work together to support the lifestyle they’ve planned for. The goal is a strategy that balances flexibility with stability and adapts as circumstances change.
This involves thinking through distribution sequencing, how to position your portfolio during the distribution phase and whether tools intended to provide more predictable income alongside market-based assets may make sense in your situation.
​
We don’t believe in one-size-fits-all income solutions. What matters is understanding your specific situation: your expenses, your timeline, your risk tolerance and your goals; and building around that.
Exploring A Retirement Income Strategy Might Be Right For You If...
You’re retiring soon and unsure how to generate income from your assets
​
You’re already retired but haven’t formalized a withdrawal strategy
​
You’re concerned about how market volatility might affect your income
​
You want to understand which accounts to draw from and in what order
​
You’d like to explore whether any income protection tools make sense for your plan
​
You have multiple income sources and want them working together more efficiently