Five phases, one plan.
The work runs in order because the pieces depend on each other. You cannot plan a conversion before knowing what you hold, and you cannot sequence withdrawals before the conversion years are set.
The Retirement Income Roadmap
A structured five-phase framework tailored to the specific complexity of executive wealth, from comprehensive discovery through lifetime income distribution and legacy coordination.
Comprehensive Accumulation Assessment
We map every dimension of your financial architecture: investment accounts, deferred compensation, equity awards, pension benefits, insurance policies, real estate, business interests, and tax history. That builds a precise picture of where you stand and what is possible.
Tax Optimization Window Strategy
The years between your final paycheck and age 73 are often the most valuable tax planning window of your entire financial life. We identify and execute Roth conversions, capital gain harvesting, charitable giving strategies, and deferred compensation restructuring to reduce your lifetime tax burden.
Early Retirement Transition Architecture
We engineer the income bridge from your final paycheck to full retirement income activation, coordinating equity liquidation, deferred compensation distributions, healthcare coverage, and cash flow timing to make your target retirement date a reality with confidence.
Retirement Income Distribution System
Your personalized withdrawal sequencing plan orders distributions from taxable, tax-deferred, and tax-free accounts to maximize after-tax income throughout a 30-year retirement while managing longevity, inflation, and market risk at the same time.
Legacy & Estate Coordination
We integrate retirement income planning with your estate goals, coordinating with your estate attorney, optimizing beneficiary designations, structuring charitable giving, and implementing inherited IRA strategies to transfer wealth with maximum efficiency across generations.
Three documents, in writing
Every engagement ends with the same three things, for both spouses. There is no product attached to any of it, and the first conversation costs nothing.
Take the free Risk Analysis
Eleven questions. You get a score, and so do we, which means the first call starts with your situation rather than with introductions.
Start the analysis →Have a 30-minute conversation
By Zoom, with both spouses. We review where you stand and name the two or three tax gaps most worth your attention. No pitch.
Pick a time →Get your written roadmap
The three documents above, in writing, for both of you.
See what is included →What the phases deliver
The eight services below are not eight engagements. They are the decisions the five phases work through, and each has a page of its own.
Retirement Income Planning
Comprehensive modeling of every income source, tax implication, and timing decision that shapes your retirement financial life, synthesized into a single integrated roadmap.
Read more →Tax-Efficient Withdrawal Strategy
Precision ordering of distributions from taxable, tax-deferred, and tax-free accounts, personalized to your specific tax situation, bracket, and income needs across decades.
Read more →Roth Conversion Analysis
Multi-year Roth conversion strategies engineered to minimize lifetime taxes, identifying your optimal window, annual conversion amounts, and tax impact across decades.
Read more →Executive Retirement Planning
Specialized guidance on non-qualified deferred compensation, restricted stock units, stock options, executive benefit plans, and concentrated position management.
Read more →Social Security Optimization
Sophisticated claiming strategies, coordinated with your broader income plan, that can increase lifetime Social Security benefits by $100,000 or more for married couples.
Read more →Early Retirement Feasibility
Rigorous analysis of whether your target retirement date is achievable, and a concrete financial engineering plan for closing any gaps between where you are and where you want to be.
Read more →Ongoing Retirement Tax Planning
Forward-looking annual tax strategy, integrated with your CPA, to minimize taxes throughout retirement as laws, income, and financial circumstances evolve over decades.
Read more →Legacy Planning Coordination
Integrating your retirement income plan with estate goals: beneficiary optimization, charitable strategies, and inter-generational wealth transfer designed for maximum efficiency.
Read more →Wondering whether it applies to you? Who we help describes the two situations we see most, and the FAQ covers what people ask before a first call.
Ready to Build Your Retirement Income Roadmap?
A complimentary 30-minute consultation to assess your retirement readiness and identify your highest-value planning opportunities.
No sales pitch. No product recommendations. A genuine conversation about your retirement readiness.