Retirement Income Planning

Our process starts with modeling your retirement needs using the 4% rule as a baseline, where you withdraw 4% of your initial portfolio annually, adjusted for inflation, aiming for sustainability over 30 years. We incorporate Monte Carlo simulations to test thousands of market scenarios, assessing probabilities of success amid longevity risk (outliving savings) and sequence-of-returns risk (poor early returns depleting principal). For a 40-year-old professional, we project income gaps and optimize contributions to 401(k)s/IRAs, including catch-up limits ($32,500 for 50+ in 2026). Tax efficiency is key: We recommend Roth conversions to shift funds from traditional IRAs to Roths, paying taxes upfront for tax-free growth and withdrawals, potentially reducing Medicare surcharges or Social Security taxation. Integration with life events—like education funding or home purchases—uses bucketing strategies: short-term buckets for essentials (e.g., fixed annuities yielding guaranteed income) and growth buckets for discretionary spending. We align with ESG factors if desired, ensuring sustainable income. You'll receive personalized projections, including withdrawal sequencing (e.g., taxable first, then tax-deferred), and annual updates to adapt to economic shifts, health changes, or policy updates like delayed Social Security claims for a 76% benefit increase by age 70.