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Retirement Planning
Retirement is not a finish line, it is a transition that requires a plan as detailed as the one that got you there. We build retirement income strategies that coordinate Social Security, investment portfolios, tax efficiency, and estate considerations so you can spend and give confidently without the fear of running out.
Schedule a Discovery CallWhat We Offer
A retirement income plan built around your timeline, your tax situation, and the life you want to live.
Social Security Optimization
Retirement Income Planning
Medicare and Healthcare Cost Strategy
Roth Conversion Planning
Required Minimum Distribution (RMD) Strategy
Legacy and Beneficiary Planning
This information is general education and not personalized investment, tax, or legal advice. Hypothetical examples are for illustrative purposes only and do not represent the experience of any specific client. Tax preparation and tax advice are provided by your CPA. Investing involves risk including loss of principal. No strategy assures success or protects against loss. Past performance is not a guarantee of future results.
Client Success
Boeing Engineer Retirement Scenario
A Boeing engineer and his spouse approaching retirement with $1.8M across multiple accounts. We may consolidate the portfolio, evaluate pension election trade-offs (lump sum vs. annuity), discuss Social Security timing, and walk through a withdrawal sequence aligned to their goals. Outcomes depend on the specific situation.
Hypothetical engagement scenario, illustrative only and not representative of any specific client. Outcomes depend on individual circumstances and market conditions. Investing involves risk including loss of principal. No strategy assures success or protects against loss.
Frequently asked questions.
The earlier you begin, the more flexibility you have. The 5-10 years before your target retirement date are particularly important for tax sequencing, income planning, and addressing pension election or Roth conversion windows.
It depends on your lifestyle, healthcare needs, and income sources. A general guideline is 70-80% of pre-retirement income, but we build personalized plans based on your specific situation and goals.
Yes. We analyze lump sum vs. annuity options, survivor benefits, and how each interacts with your other income sources, so you can choose the structure most appropriate to your situation. Pension election decisions are individual and depend on personal circumstances; rolling a pension into an IRA may not be in every investor's best interest.
Related Resources
When to Claim Social Security: A Bellevue Advisor's Guide
How filing age, spousal coordination, and longevity assumptions reshape lifetime benefits — and how to think through the trade-offs for your situation.
Read ArticleBoeing Pension: Lump Sum vs. Annuity
An in-depth analysis of Boeing's pension options and how to choose the right one for your situation.
Read ArticleSocial Security Optimizer
Compare claiming at 62, 67, and 70 to find your optimal strategy.
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A complimentary discovery call is one way to start. No pressure, no obligation -- just a conversation about your goals.