HOW MUCH TO SAVE BEFORE RETIREMENT
The total number you need is built from what you actually spend each year, plus some room for the things that may turn out differently than expected.
The second half
Saving is the first half. The second half is turning accounts, a business, Social Security, and maybe a pension into a paycheck that lasts, drawn in an order that keeps taxes down. That's the plan we build, and we test it against bad markets and long lives before you rely on it.
What we cover
The total number you need is built from what you actually spend each year, plus some room for the things that may turn out differently than expected.
Choosing between 401(k), profit sharing, cash balance. The right plan with proper management can shelter a large share of an owner's income in the final working years.
When you need cash, which accounts should you pull money from? IRAs, 401(k)s, Trusts, Brokerage accounts...each has different rules & tax consequences. The right answer can make your money last longer.
Deciding when each spouse should claim, and how that interacts with other income, taxes, and survivor benefits.
Coverage in the gap years before enrolling in Medicare, and how income affects Medicare premiums afterward.
Unnecessary portfolio taxes and costs can quietly eat into performance year after year. Choosing which accounts own which investments can make a portfolio more sustainable long-term.
How we model it
We create a year by year projection of your numbers, then stress the plan under different scenarios. Stress testing reveals what pieces of the plan are critical, whether it relies on good stock market returns, selling the business for a certain number, or inheriting a future sum. With a retirement plan in place, we can solve problems before they occur, and take advantage of opportunities as they arise.
We update your plan yearly and with major events, so the plan you retire with is the one you've been watching for years.
Common situations
The business and retirement are one plan. See business exit planning.
How to spend, grow, or leave an inheritance while living retirement the way you want.
Health insurance and early withdrawals need their own plan. It's doable, with care.
A business, an oversized stock position, a piece of real estate. We find the path from concentrated to well-balanced.
Common questions
Next step
One conversation about where you stand. We’ll tell you plainly what a plan would show you, and what it would cost.
Speak with a founderThirty minutes with a founder. No homework.
Quarterly Recap
Our quarterly market update, in plain English. No sales pitch.