End-to-end retirement work,
handled in one place.
A short list of services, each done thoroughly. Below, each one — what it covers, how we approach it, and what you walk away with.
01
Retirement Income Planning
The cornerstone of everything we do: a written, annually reviewed plan that turns your accounts and benefits into a paycheck you can actually live on.
- →Identify income needs and household goals — in plain numbers.
- →Calculate any shortfall between expenses and guaranteed income.
- →Decide which accounts to draw from, in what order, and why.
- →Stress-test the plan with Monte Carlo simulations.
- →Update it with you every year.
02
Investment Management
Risk-managed portfolios designed around your plan — not the other way around. We use index funds, mutual funds, stocks, bonds, and, where appropriate, annuities.
- →Risk number measured with Riskalyze and matched to your tolerance.
- →Portfolio design through partners including Brookstone Capital Management.
- →Lessons learned from 2000–2003, 2007–2009, and March 2020 baked into the discipline.
- →Rebalancing on a schedule, not on emotion.
04
IRA & 401(k) Rollovers
Old workplace accounts left behind are a tax problem waiting to happen. We consolidate them into a coordinated retirement strategy.
- →Direct, tax-efficient rollovers from 401(k), 403(b), and 457 plans.
- →Consolidation analysis: which accounts belong together and which don't.
- →Beneficiary review on every account we touch.
- →Clear paperwork — no surprises, no orphan accounts.
05
Defined Benefit & Pension Decisions
Lump sum or lifetime income? It is one of the most consequential — and irreversible — choices in retirement. We model both.
- →Side-by-side comparison of lump sum vs. annuity payout options.
- →Spousal and non-spousal beneficiary impact modeled explicitly.
- →Coordinated with school-district and teacher retirement services.
- →Stress-tested against your income plan as a whole.
06
Tax-Efficient Withdrawal Strategy
The order you draw from your accounts is often worth more than the funds you hold inside them. We sequence withdrawals to minimize lifetime tax.
- →Decide between deferring Social Security to 70 while drawing IRAs first.
- →Identify Roth conversion windows when brackets are unusually low.
- →Coordinate with your CPA — we don't replace your tax preparer.
- →Plan around required minimum distributions, not against them.
Not sure which of these you need?
Most clients arrive thinking they need one thing and leave with a plan that coordinates four or five. The complimentary consultation is for figuring that out — together.
03
Social Security Optimization
When you claim Social Security can change household lifetime income by tens of thousands of dollars. We model the choice instead of guessing it.