Fee-only financial advisors specializing in retirement income strategy.
Retirement-income planning is a distinct discipline from accumulation. Core decisions: safe withdrawal rate, bucket strategy, bond tent glide path, Social Security claiming, Roth conversion ladder, tax-efficient distribution ordering, Medicare + IRMAA management, sequence-of-returns hedging, spending flexibility rules (Guyton-Klinger, VPW).
Situations we handle
- What's my real safe withdrawal rate?
- Bucket strategy — how much cash, bonds, stocks?
- Tax-efficient distribution order — taxable first? Roth last?
- Social Security timing in the income plan
- Guyton-Klinger vs rigid 4% — which works for me?
- Inflation protection in retirement
Why a specialist. This niche requires specific knowledge that generalist advisors don't have.
Tools & guides
Retirement Income Plan Calculator
Model a retirement income strategy: withdrawals from which accounts, when to claim Social Security, Roth conversion window.
Retirement Income Strategy Guide
Detailed framework — rules, tradeoffs, employer- and account-specific nuances, common mistakes.
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