Retirement income planning isn't about accumulating the most products — it's about coordinating decisions in the right sequence with full awareness of the tradeoffs.
Most pre-retirees have never seen all of their income sources mapped in one place — Social Security, pensions, 401k/IRA distributions, brokerage accounts, and potential annuity income. That's exactly where the Retirement Income Analysis starts.
We look at the timing of each source, the tax treatment of each distribution, and how they interact with each other. Then we model scenarios: What does early Social Security do to your lifetime income? What's the tax cost of drawing down your 401k too fast? What happens if you live to 90?
This analysis is the foundation of everything else we do. It's where the real picture emerges — and where the most costly mistakes are caught before they happen.
Tax rates are at historically low levels. Most experts believe they will be higher in 10–20 years. A retirement plan built entirely on tax-deferred accounts (401k, traditional IRA) leaves you fully exposed to whatever tax rate exists when you need the money.
A properly structured IUL provides a hedge: your money grows tax-deferred, you access it tax-free via policy loans, and the death benefit passes to heirs income-tax-free. It's not a replacement for everything else — it's a diversification of tax treatment.
Indexed Universal Life (IUL) is one of the most misunderstood and underutilized tools in retirement planning. Done correctly, it creates a bucket of money that grows tied to market index performance — with a floor that protects your principal — and distributes tax-free in retirement.
This isn't a fit for everyone. It requires time in the accumulation phase, and the structure matters enormously. A poorly designed IUL underperforms. A well-designed one becomes the tax-free income layer that changes your entire retirement picture.
We only recommend these strategies when the math and the timeline support them — and we design them to maximize the income benefit, not the commission.
When you leave an employer, your 401k or 403b doesn't have to stay there — and in most cases, it shouldn't. Plans with former employers often have limited investment options, higher fees, and no ongoing guidance. More importantly, they're not being actively managed toward your retirement income goal.
A rollover into a properly structured IRA opens up the full range of options: annuities for guaranteed income, more flexible investment choices, tax-efficient distribution planning, and coordination with your overall retirement strategy.
The rollover itself is straightforward when done correctly. The decisions around where it goes and how it's structured are what matter. That's where we focus.
The IRA is the central asset for most retirees — and it comes with more decision points than most people realize. Roth conversions. RMD timing. Beneficiary rules that changed dramatically with SECURE 2.0. The difference between navigating these well and navigating them poorly can be tens of thousands of dollars over a retirement.
The IRA Roadmap service maps out every decision point relevant to your situation — when to convert, how much, in what order you draw, and how to coordinate with your other income sources to minimize your lifetime tax burden.
This isn't a one-time exercise. As tax law changes and your situation evolves, the roadmap adapts.
It's free, it's focused, and it gives us both a clear picture of where you stand. From there, the strategy — and any recommended services — follow naturally.
Schedule Your Free Income ReviewNo products pushed. No pressure. Just a focused conversation about your retirement income picture.