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Income Planning


Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. Increased longevity and medical advances mean it’s increasingly likely that people who are retiring today could spend 30 years or more living in retirement.  Designing an efficient and resilient income plan is a highly individualized and sometimes complex process.

 Questions that typically arise include: 

  • When can you retire?
  • When should you begin claiming your social security?
  • If married, divorced or widowed, how does this impact your social security claiming options?
  • If you have a pension, when should you begin claiming and what payment option should you elect.
  • If you have investments, which investments should you draw from first and why?
  • How much can you draw from them and how should your various accounts be invested?
  • How do you plan for required minimum distributions (RMDs)?
  • How can you position your different kinds of investment accounts to plan for incapacity or legacy planning?
  • How do you monitor all of these moving parts as you age?