When to claim Social Security
Filing age can swing lifetime benefits by six figures. We model your break-even, your spouse's, and how it interacts with other income.
Retirement Planning
A paycheck for the rest of your life.
The hardest part of retirement isn't saving — it's spending. We map your income sources, model the next 30 years, and build a withdrawal strategy that holds up whether markets cooperate or not.
Withdrawal sequencing
Which account you tap first matters as much as how much you take. Tax-aware sequencing across taxable, traditional, and Roth can extend portfolio life by years.
Roth conversions in the gap years
The window between retirement and RMDs is often the biggest tax-planning opportunity of your life. We measure it and use it.
Medicare & healthcare costs
Coordinated with your plan so IRMAA surprises and coverage gaps don't derail the math.
What you can expect
- Cash-flow projection through age 95
- Social Security claiming analysis
- Multi-year Roth conversion plan
- Healthcare and long-term-care cost integration
Common questions
When should I start planning?+
Ten years out is ideal — that's when conversions and tax planning have the most leverage. But it's never too late.
How much do I really need?+
Less than the internet says, and more than you think. We answer it precisely for your situation, not a generic rule.
Still have questions?
Get personalized answers about a paycheck for the rest of your life.