Retirement planning
A paycheque that survives the market it retires into.
Accumulation is one problem. Turning a balance into 30 years of income, after tax, is a different one. We work on the second.
Tax diversification
Three tax treatments, not three accounts
Which bucket you draw from in a given year is often worth more than which fund you picked.
Taxable
Brokerage and cash. Flexible, capital-gains treatment, useful for bridging years before Social Security.
Tax-deferred
401(k), 403(b), traditional IRA. Deduction now, ordinary income later, and required minimum distributions from age 73.
Tax-free
Roth accounts and, in specific cases, properly structured life insurance loans. No RMDs on Roth IRAs.
Risks we plan around
The four that actually break plans
Sequence of returns
A poor first five years of retirement does more damage than the same loss ten years in, because withdrawals lock it in. Guaranteed income for fixed costs blunts it.
Longevity
Plan to 95, not to life expectancy. Half of people outlive the average, and running out at 90 has no remedy.
Tax-rate risk
A fully tax-deferred portfolio is a bet that your future bracket is lower. Diversifying tax treatment hedges it.
Health and long-term care
An extended-care event is the most common plan-breaker. Chronic-illness riders and hybrid policies are one way to fund it.
Scope
What we do — and what we don't
- Income sequencing and withdrawal order
- Social Security claiming timing analysis
- Insurance and annuity design to cover fixed costs
- Beneficiary and policy-ownership review
- We are an insurance broker, not a registered investment adviser — we do not manage portfolios or sell securities
- We do not prepare tax returns or draft legal documents; we work alongside your CPA and attorney
Bring your statements. We'll show you the gaps.
A first review takes about an hour and costs nothing. You leave with the numbers whether or not you become a client.
Book a reviewLife insurance and annuities are not FDIC insured, are not bank deposits, are not guaranteed by any bank, and may lose value. This page is general education, not tax or legal advice. Tax rules change; confirm your situation with a qualified tax professional.