Retirement & Income Planning
Retirement and income planningat every career stage
From your first contribution through a withdrawal strategy in retirement, built to keep pace with the way a career actually progresses.
The whole career
Two problems, thirty years apart
Building the balance and drawing it down are different exercises, and most plans are only built for the first. We plan for both from the start: the right account at each stage on the way up, and an income strategy that holds on the way down.
First contributions and the right account types, even on a resident salary.
Raising the savings rate as income grows, and investing tax-efficiently.
Owner retirement vehicles, funded independent of what the business is worth.
Exit timing, income coordination, and reducing portfolio risk before the transition.
A withdrawal strategy and Social Security timing reviewed each year.
Why it slides
The personal plan moves to next quarter
Careers get busy. The business needs attention, clients need attention, and staff need attention, so the personal plan moves to next quarter and then to next year. We keep it on the calendar, so the years spent building the business turn into the retirement you were planning for.
What we work with
The right account at each stage
401(k), traditional and Roth IRA, backdoor Roth contributions, SEP and SIMPLE plans for owners, coordinated with Social Security timing and a distribution plan built to last as long as you need it to.