The years right before retirement are the highest-stakes window in your financial life. The decisions you make now set your income, your taxes, and your peace of mind for decades.
Schedule a Strategy SessionYou have done the hard part: you saved. What you need now is confidence, a clear answer to whether you have enough, backed by real numbers and stress tests, plus a tax-efficient plan to turn your accounts into income that lasts. We model Social Security timing, withdrawal sequencing, Roth conversions, and the down-market scenarios that keep people up at night, so you can retire on purpose instead of on a hunch. This is the heart of our retirement income engineering.
We model your actual spending against your assets and income across a range of market scenarios, including poor returns early in retirement, which is the real risk. When the plan survives the hard scenarios, you have a defensible answer instead of a hopeful guess.
Two stand out: claiming Social Security and drawing down accounts without a tax-efficient sequence, and underspending out of unfounded fear. Both come from not having a stress-tested plan.
The five or so years before retirement are the highest-leverage window, especially for Roth conversions in lower-income years. Starting earlier gives us more levers to work with.
Schedule your complimentary Impact Call. We will talk about what you are actually solving for, and whether we can help you get there.
Schedule Your Impact CallOr call (317) 969-7499