This approach is designed for a specific stage of life—and a specific kind of planning challenge.
WHO WE’RE A GOOD FIT FOR
We work best with individuals and couples who have spent years accumulating savings and are now ready to turn those savings into sustainable retirement income.
- Are on the verge of retirement or already retired
- Have built savings and now want income they can rely on
- Care more about clarity and confidence than constantly chasing returns
- Want spending, income, taxes, and investments to work together
- Value an ongoing planning relationship
WHO WE’RE NOT A GOOD FIT FOR
Our approach is intentionally focused. It won’t be the right match for everyone—and that clarity matters.
- Looking for short-term investing advice or market timing
- Primarily focused on maximizing returns rather than building reliable income
- Early in your career, and still focused on accumulation
- Seeking one-time advice rather than an ongoing planning relationship
- Interested mainly in product selection rather than coordinated planning
Many excellent advisors specialize in those areas. Our focus is simply different.
Here’s how we help clients make that transition—from accumulation to income.
A Clear, Confident Retirement Paycheck Plans
Turning savings into income works best when spending decisions, personal preferences, and strategy are aligned from the start.
Clarify spending
We begin by determining a realistic, sustainable spending amount—based on how you live today and how you want retirement to feel.
Align income style
We use a Retirement Income Style Awareness® (RISA®) assessment to understand how you prefer income to behave, and to align those preferences with strategies that can support your spending over time.
Design income plan
We bring your spending needs and income style together—along with investments, taxes, and risk—into a coordinated retirement income plan.
Together, these steps turn years of saving into a retirement income plan designed to support your life over time.
Clarify what retirement spending looks like for you
Understand what you can sustainably spend each month, based on your actual savings, income, and goals.
Our Retirement Spending Snapshot provides a clear, personalized view of what retirement spending may look like for your household. It’s a practical starting point for understanding how prepared you are—and what questions matter most as you move toward retirement.
Design how retirement income works for you
Once you understand how much you can sustainably spend, the next step is deciding how you want income to behave in retirement.
We help you think through how to generate monthly income from your savings, benefits, and investments in a way that reflects your preferences for flexibility, stability, and long-term confidence.
The Retirement Income Style Awareness® (RISA®) assessment plays an important role here. It helps clarify how you prefer income to function—whether you value flexibility, security, or a balance of the two—so your income strategy aligns with how you want retirement to feel.
BRINGING it all Together
Once you’ve clarified what you can sustainably spend and how you prefer income to behave, the final step is bringing everything together—aligning income, investments, and tax planning into a cohesive retirement income strategy.
Our book on retirement income planning lays out this framework in detail. It shows how spending decisions, income style, risk management, investing, and tax planning work together to create a durable income plan designed to support your life over time.
A thoughtful approach to retirement income planning
Backed by disciplined investing and careful tax planning.
If you’re looking for a clear, coordinated way to turn savings into sustainable retirement income—and value a long-term planning relationship—we’re happy to talk through your situation and answer your questions.
Schedule a conversation