01
A retirement date you can trust
We test retiring this year, next year, and three years out — then show you exactly what each choice buys.
What this covers
Retirement is a cash-flow problem wearing an investment costume. We model your income year by year — Social Security, pensions, portfolio withdrawals — and stress-test it against retiring into markets like 2008, so the date on your plan is a date you can trust.
- Retire-when modeling with Social Security timing
- Withdrawal sequencing across taxable, IRA, and Roth
- Two-year cash wedge so markets can't force sales
What's Included
Everything handled for you.
02
Monthly income mapping
Every income source sequenced month by month, so you know what lands in checking and when.
03
Withdrawal sequencing
Which account to tap first, when to start Roth conversions, and how to keep lifetime taxes lowest.
04
A cash wedge and guardrails
Two years of spending held safe plus pre-agreed spending rules, so a down market never forces a sale.
How It Works
Three steps, thirty days.
STEP 01
Gather the numbers
Every account, pension estimate, and Social Security record — securely, in under an hour of your time.
STEP 02
Model the decades
Year-by-year income, taxes, and balances through age 95, tested against bad-market starts.
STEP 03
Lock the income plan
Your date, your monthly income, your withdrawal order — written down and reviewed twice a year.
Questions about Retirement Planning
When can I actually retire?
That is exactly what the model answers. Most clients arrive with a guessed date; they leave with a tested one — sometimes years earlier than they feared.
How much can I safely spend each month?
We set a base spending level from the model, with raises in good years and a pre-agreed trim if markets fall — decided calmly now, never in a panic later.
What if markets crash right after I retire?
Your plan includes that chapter before it happens: a two-year cash wedge to spend from, guardrails on withdrawals, and a rebalance that buys low while others sell.
Get Started
Talk through Retirement Planning with an advisor.
Book a free 30-minute call — we'll map your next three moves whether you hire us or not.