Retirement Plan Distributions Management

Many clients have questions about how to move from the accumulation stage to the distribution stage in retirement. We will advise you on the most sensible and tax-efficient ways to take money out of your retirement accounts to make it last. Rollover strategies, periodic distributions, and the the prioritization of account withdrawals can be creatively managed to provide you with income for today and growth for tomorrow.

Qualified Plan Consulting

We review all qualified and tax advantaged plans including your 401(k), 403b and deferred compensation plans, and recommends how to coordinate them with the rest of your portfolio. Many pension plans offer you a choice between “a little-at-a-time” lifetime annuity payments or a lump-sum payout of your entire balance. When the time comes to make that decision, we will help you determine the best option.

If you are self-employed or own a business, your unique needs and resources will be evaluated to help you choose the most suitable type of retirement plan. And for those clients with large retirement versus taxable accounts, we will also run an analysis on the appropriateness of a Roth IRA conversion.

Social Security Planning

One of the most important retirement decisions you will make is when and how to claim your Social Security benefits. The age at which you claim Social Security can have a dramatic effect on your monthly benefits and, if married, those of your spouse. The Social Security program provides choices when it comes time to claim your benefit. We can help you choose the best strategy for your unique situation as it relates to the rest of your plan.

We'll Help You Get There

• Define your ideal retirement.
• Identify your goals in later life.
• Quantify the resources needed to fund your goals.
• Find the best ways to fund your goals.
• Make realistic projections about your future.