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Planning

Retirement Planning

Turn savings into retirement income, with withdrawals, taxes, and Social Security coordinated.

Overview

We manage withdrawals, cash flow, and account sequencing around your goals, and revisit them as your circumstances change. Approaching retirement? See Transitioning to Retirement. Use our retirement calculator to model different scenarios.

Tax-efficient distribution timing is central to the process. By coordinating withdrawals across account types, taxable, tax-deferred, and tax-free, we work to help reduce taxes over time, coordinated with your CPA. Goal-setting and risk assessment are part of the advisory relationship. Try our withdrawal simulator to test different income strategies, or our inflation calculator to see how purchasing power changes over time.

How we help

Each piece is revisited as markets and your life change.

Where You Stand

A clear look at your portfolio today against your retirement goals and timeline.

Sustainable Withdrawals

A withdrawal strategy you revisit as markets move and life changes.

Tax-Smart Distributions

Coordinate withdrawals across taxable, tax-deferred, and tax-free accounts to help reduce taxes over time, coordinated with your CPA.

Estate Coordination

Coordination with your estate attorney on beneficiaries and account titling.

Common questions

How much can I withdraw in retirement?

It depends on your spending, other income, taxes, time horizon, and markets. Rules of thumb such as 4% (an initial withdrawal rate adjusted for inflation each year) are a starting point, not a plan. Personal Advisor clients review spending needs as part of ongoing portfolio management.

In what order should retirement accounts be drawn down?

There is no single answer. The order of withdrawals from taxable, tax-deferred, and Roth accounts affects taxes over many years and depends on your brackets, required minimum distributions, and goals. We coordinate the sequence with your CPA.

Next step

Plan your retirement income

Let’s talk through spending, taxes, and timing. See our fee schedule.

Talk to an Advisor Not sure where to start?

Related guides

401(k) Withdrawal Rules

401(k) withdrawals are taxed as income; before 59½ most also owe a 10% penalty unless an exception applies, such as the Rule of 55.

403(b) Plans: How They Work for Educators and Nonprofit Employees

A 403(b) is a 401(k)-style plan for public school and nonprofit employees, with the same $24,500 limit in 2026 but different investment rules.

457(b) Plans: Deferred Compensation for Executives

A 457(b) lets government and some nonprofit employees defer $24,500 in 2026 on top of a 401(k) or 403(b), with no 10% early-withdrawal penalty.

Annuities Explained: When They Help and What to Watch For

An annuity is an insurance contract that turns savings into income. Simple income annuities address longevity risk; complex ones can carry high fees.

Explore the full Knowledge Base →