The most you can safely spend each year, calculated against your actual accounts and timeline
A withdrawal sequence that decides which account you draw from first, second, and last
An income plan built to adjust when markets drop, so you're not forced to sell at the wrong time
Income timed with your tax bracket and Social Security claiming decision, not planned on its own
A conversion timeline built around your bracket, not a generic “fill up your bracket” rule
The common Roth conversion mistake that can leave hundreds of thousands of dollars on the table
Coordination with Medicare, IRMAA, and Social Security so one conversion doesn't create a surprise elsewhere
A plan to protect future growth from taxation before required withdrawals begin
Bracket management designed to keep your income below the next IRMAA tier
A look-back check on how this year's income decisions affect your premiums two years from now
Coordination between Roth conversions, required withdrawals, and your Medicare costs
A coverage plan for the years before you turn 65
Tax bracket management across your entire retirement, not just this year's return
A required minimum distribution plan built before the withdrawals are forced on you
Qualified charitable distributions used to lower your taxable income if giving is part of your plan
Year-round coordination with your CPA, so every decision gets made with taxes in mind
A review of your beneficiary designations across every account
Coordination with your estate attorney so your accounts match your estate plan
A strategy for reducing the tax bill your family inherits along with your accounts
Survivor planning that protects your spouse from a sudden jump in tax bracket
03 · Service
Social Security Strategy
Claiming Social Security is a one-time decision with lifetime consequences. Get the timing wrong and it can cost you and your spouse hundreds of thousands of dollars. You need a claiming strategy built around your household, not a breakeven calculator.
A claiming age built around both spouses' benefits, not just your own
Coordination between spouses so survivor benefits are protected, not left to chance
A look at how claiming early or late changes your tax bill and Medicare premiums
Your claiming decision built into your broader income and withdrawal plan