Who we serve Retirees

Financial planning for retirees.

Retirement brings a new set of questions: how to turn savings into income, how to keep taxes in check and how to make it last. We help you answer them with a plan that adapts as your retirement unfolds.

Book with Steve What to expect

Is this you?

You’re retired and want confidence that your savings will support the life you have planned, and that your wishes will be carried out.

Decisions we help you make

Every plan is built around your situation. These are the questions we work through most often.

Retirement income

Turning savings, pensions and Social Security into a dependable monthly paycheck.

Tax-smart withdrawals

Which accounts to draw from first and managing required minimum distributions.

Medicare and healthcare costs

Planning for premiums, IRMAA surcharges and long-term care.

Investment strategy

A portfolio built for income and stability, with an eye on inflation over a long retirement.

Charitable giving

Qualified charitable distributions, donor-advised funds and giving efficiently.

Estate and legacy

Beneficiaries, trusts and passing wealth on so your wishes are carried out.

A situation we often see

Every client is different. This hypothetical example shows how we might approach a common situation.

This case study is hypothetical and for illustrative purposes only. It is a composite based on situations we commonly see and does not represent any specific client. Your results will depend on your own circumstances. It is not a guarantee of future results or a recommendation for any individual.

Turning a nest egg into a tax-smart paycheck

The situation: A retired couple in their late 60s with about $1.4 million across IRAs and a brokerage account. They worried that required minimum distributions would push them into a higher bracket and raise their Medicare premiums.
What we did: We mapped which accounts to draw from each year, used partial Roth conversions in lower-income years before RMDs began, and moved their charitable giving to qualified charitable distributions.
The outcome: A year-by-year withdrawal plan that covers their spending, keeps future RMDs and IRMAA surcharges in check, and supports the causes they care about.

Common questions

General information to help you think through your situation. Your plan will depend on your own circumstances.

When do I have to start required minimum distributions?

For most people, RMDs from traditional IRAs and 401(k)s begin at age 73, or at 75 if you were born in 1960 or later. Planning withdrawals and Roth conversions in the years before RMDs begin can help manage the taxes they create.

Can my income affect my Medicare premiums?

Yes. Medicare Part B and Part D premiums include an income-related surcharge, known as IRMAA, based on your tax return from two years earlier. Large IRA withdrawals, Roth conversions or capital gains can push you over a threshold, so we plan around them.

What is a qualified charitable distribution?

Starting at age 70½, you can give directly from an IRA to charity. The gift isn’t included in your taxable income and counts toward your RMD once those begin, which is often more tax-efficient than giving cash.

Getting started

Your first meeting is free, with no obligation. If you have them handy, it helps to bring: statements for your retirement and investment accounts, your Social Security and pension income details, last year’s tax return and any estate documents. Nothing is required for the first conversation.

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