How the Pieces Connect
Almost every retirement decision touches more than one part of your plan. The account you draw from changes your tax bill, and your tax bill changes how much stays invested. That's why I plan income, investments, and taxes together.
If you're still working, we prepare you for retirement. If you're retired, we build your income plan and keep refining it. I also help families navigating an inherited IRA, which brings many of the same income, investment, and tax decisions retirees face, often with a deadline attached.
Retirement Income
Your paycheck stops when you retire, but your bills don't. I start getting you ready years ahead, then build the income plan: when to claim Social Security, which pension option to take, and which accounts to draw from first.
Investment Planning
A market drop the year you retire can change your whole plan. So we step down risk as retirement nears while long-term money keeps pursuing growth. In retirement, income comes first, with part of the portfolio still invested for the long run.
Tax Strategy
Taxes are one of the biggest expenses in retirement, but most plans only touch the surface. I build strategies around your income and investment decisions, from Roth conversions and required distributions to major one-time events like selling a home or land.
Inherited IRAs
Inheriting an IRA comes with distribution rules and deadlines that are easy to get wrong and costly when you do. I help you understand which rules apply to you, plan withdrawals around your taxes, and keep the money invested along the way.