From Nest Egg to Paycheck

It depends on the income you want, the age you want to stop, and what Social Security or a pension covers. A common starting point is 25 times the annual income you need from savings. We model your actual numbers, including taxes and healthcare, rather than a rule of thumb.

For many households, delaying to 70 produces the largest lifetime benefit, but health, spousal benefits, and cash flow all matter. We model claiming ages side by side, with survivor benefits and taxes included, before recommending a date.

Usually taxable accounts first, then tax-deferred, then Roth, with Roth conversions filling low tax brackets in the early years. The right order depends on your brackets, Medicare thresholds, and legacy goals, so we map it year by year.

Yes. We plan for coverage before 65, Medicare enrollment and supplements after, and the IRMAA income thresholds that raise premiums, since withdrawal decisions affect all of them.

Yes. We review whether a rollover makes sense, handle the transfer so it stays tax-free, and build the new account into the overall withdrawal plan.

Retirement planning is part of a financial plan, which is a flat fee. Ongoing investment management is a tiered percentage of assets managed. Fees are in writing before any work starts and published in our Form ADV.