Why Portfolio Management Alone Isn’t Enough
- Withdrawals affect taxes
- Taxes affect Medicare
- Income timing affects long-term sustainability
- Investment structure affects sequence risk
Retirement outcomes are driven by coordination — not isolated decisions.
The Retirement Coordination Framework™ aligns spending, taxes, income, and investments — especially in the early years when they matter most.
The Retirement Coordination Framework™
Retirement is not an investment plan.
It is a coordination process.
Spending affects taxes.
Taxes affect income.
Income affects investment strategy.
Each decision affects the others.
The Retirement Coordination Framework™ aligns them — deliberately, annually, and with discipline.
What Coordination Produces
Greater after-tax income.
Fewer avoidable tax surprises.
More stable cash flow.
Clearer long-term confidence.
Not because markets are predictable.
Because decisions are structured.
Retirement is not three separate problems. Income, investments, and taxes work best when coordinated.
How We Begin Applying the Retirement Coordination Framework™
Every coordinated retirement decision begins with clarity.
Before adjusting investments or making tax moves, we establish the foundation.
Define Sustainable
Spending
Spending sets the foundation for retirement
and determines the income your plan must support.
We establish:
- A sustainable withdrawal range
- Flexible guardrails for market shifts
- Alignment with your lifestyle goals
Clear guardrails reduce pressure in downturns
and prevent excess spending in strong markets.
Design Income
Architecture
Income architecture defines how retirement income is sourced, structured, and sustained over time. It reflects preference and discipline.
Through the RISA, we design:
- Total Return
- Income Protection
- Time Segmentation or Risk Wrap
This structure defines guarantees, flexibility, and long-term resilience.
Coordinate Income
& Taxes
Once spending and income architecture are defined, withdrawals and portfolio positioning are aligned.
We evaluate:
- Social Security timing
- IRA, Roth, and capital gains sequencing
- Medicare premium thresholds
Coordination improves long-term after-tax income and reduces avoidable surprises.
Clear, coordinated decisions today help prevent costly surprises later.
Sustainable Spending Within a Coordinated Framework
Spending decisions shape every tax and income choice that follows.
The Retirement Spending Snapshot highlights a sustainable range and the trade-offs behind it — giving you clarity before income withdrawals or portfolio adjustments are made.
Income Structure Within a Coordinated Framework
Income decisions don’t exist in isolation.Social Security timing, withdrawals, and tax strategy must work together — not separately.
We coordinate income sources in a way that reflects your preferences for flexibility, stability, and long-term sustainability.
The RISA assessment helps identify how you want retirement to feel — not just how the numbers work.
BRINGING it all Together
Coordination is not a one-time decision. It’s an ongoing process.
The Retirement Coordination Framework™ integrates spending, income structure, tax management, and investment alignment into one disciplined system.
Our book explores this coordinated approach in greater depth — explaining how structured decisions create durable, sustainable retirement income over time.
Who We Are a Good Fit For
We work best with individuals in the early years of retirement who want their income, taxes, and investments coordinated — not managed in isolation.
You’re likely a strong fit if you:
- Are within five years of retirement — or recently retired
- Have accumulated meaningful retirement assets and want to use them intentionally
- Want spending, tax strategy, and income timing evaluated together
- Care about after-tax income, Medicare thresholds, and long-term sustainability
- Prefer structured decision-making and ongoing oversight over one-time projections
- Value clarity, discipline, and coordinated long-term thinking
This approach is designed for retirees who understand that retirement success is driven by decisions — not just returns.
Who We Are Not a Good Fit For
Our approach is intentionally focused on coordination in retirement. It isn’t designed for everyone — and that clarity matters.
We may not be the right fit if you:
- Are many years from retirement and primarily focused on accumulation
- Want aggressive return maximization without integrated tax and income planning
- Prefer investment management without structured income coordination
- Are seeking standalone services such as estate document drafting, charitable structuring, or Medicare enrollment guidance
There are excellent advisors who specialize in those areas.
Our work is different.
We focus on applying the Retirement Coordination Framework™ to help retirees make disciplined, tax-aware income decisions year after year.
A Structured Approach to Coordinated Retirement Decisions
If you’re looking for a disciplined framework to align spending, taxes, income, and investments — and value ongoing oversight — we’re happy to discuss your situation.