The transition from accumulation to distribution is one of the hardest pivots in a financial life. For decades, you've been told to save. Now the rule reverses: you're spending what you saved.
If you're new to retirement, we can help with
- Building your monthly "paycheck" out of multiple accounts, in the most tax-efficient order.
- Filing, or not yet filing, for Social Security.
- Enrolling in Medicare and managing IRMAA brackets.
- Adjusting investments for someone who's drawing down, not adding.
- Required Minimum Distributions when they start.
- The big psychological shift: it's okay to spend.
How we work with newly retired families
- Plan refresh, confirm or rebuild the income plan.
- Account consolidation, pull together stranded 401(k)s, IRAs, and old brokerage accounts.
- Tax-efficient distribution sequencing.
- Medicare and Social Security coordination.
- Estate update, beneficiaries, healthcare directives, trust funding, attorney coordination.
- Annual review cycle.