This approach is designed for the early years of retirement — when coordination matters more than ever.
WHO WE’RE A GOOD FIT FOR
We work best with households in the early years of retirement who want clarity around how income, investments, and tax strategy work together.
We’re a good fit if you:
- Are within roughly five years of retirement — or recently retired
- Want confidence around what you can sustainably spend
- Care about managing taxes, Medicare surcharges, and RMD decisions proactively
- Prefer coordinated strategy over one-off recommendations
- Value clarity, simplicity, and disciplined long-term decision-making
WHO WE’RE NOT A GOOD FIT FOR
Our approach is intentionally focused. It isn’t designed for everyone — and that clarity is important.
We’re likely not a good fit if you:
- Are many years from retirement and primarily focused on accumulation
- Are seeking aggressive tax minimization or highly complex tax engineering
- Want investment selection without integrated income and tax coordination
- Need services outside our scope, such as stand-alone charitable structuring, estate document drafting, or Medicaid planning
There are excellent advisors who specialize in those areas. Our focus is simply different.
Retirement is not three separate problems. Income, investments, and taxes work best when coordinated.
A Clear, Confident Retirement Income
Retirement works best when spending decisions, investment structure, and tax strategy are coordinated from the start.
Clarify Spending
We begin by clarifying what sustainable spending looks like — so you understand what your retirement lifestyle supports once income, investments, and taxes are considered together, not in isolation or based on a single year of market returns.
Align Income Style
Next, we align your income structure with how you actually want to live in retirement — balancing reliability, flexibility, and resilience across changing market conditions.
Income Coordination
Finally, we coordinate withdrawals, investment structure, and tax strategy into one integrated framework — helping you avoid unnecessary tax consequences while supporting long-term sustainability.
Clear, coordinated decisions today help prevent costly surprises later.
Clarify What Sustainable Retirement Spending Looks Like for You
Understand how spending decisions interact with income, investments, and tax strategy — so you can move forward with confidence.
The Retirement Spending Snapshot highlights a sustainable monthly spending range and the trade-offs behind it, giving you clarity before making income, withdrawal, or portfolio adjustments.
Structure How Retirement Income Works for You
Once you understand what you can sustainably spend, the next step is deciding how income should function in retirement — not just where it comes from.
We help you coordinate withdrawals from savings, benefits, and investments in a way that reflects your preferences for flexibility, stability, and long-term confidence — while remaining mindful of tax consequences over time.
The Retirement Income Style Awareness® (RISA®) assessment supports this process by clarifying how you prefer income to function. It helps identify whether you value flexibility, reliability, or a balance of the two, so your income approach aligns with how you want retirement to feel — not just how the numbers work.
BRINGING it all Together
Once you’ve clarified what you can sustainably spend and how you prefer income to function, the final step is aligning income, investments, and tax strategy into one coordinated framework.
Our book on retirement income coordination lays out this approach in detail. It explains how spending decisions, income structure, risk management, investing, and tax strategy work together to create durable, sustainable retirement income over time.
A Thoughtful Approach to Retirement Income Coordination
Backed by disciplined investing and careful tax strategy.
If you’re looking for a clear, coordinated way to turn savings into sustainable retirement income — and value a long-term advisory relationship — we’re happy to discuss your situation and answer your questions.