Retirement income
Your questions, answered plainly.
During your working years, a paycheck simply shows up. Retirement asks a different question: how does what you've saved become a dependable paycheck? Start with the question on your mind.
Will the money last?
Turning savings, Social Security and other income into one monthly plan, then testing it against a long retirement.
Read moreWhen should I take Social Security?
Claiming at 62, at full retirement age or at 70, and how that choice fits the rest of your plan.
Read moreWhat do I do with my 401(k)?
Your choices when you leave a job: leave it, roll it to an IRA, or a mix. Also 403(b), 457 and IRA accounts.
Read moreAnnuities, explained plainly
What fixed and fixed indexed annuities are, what they can do, and their limits and costs.
Read moreWill my spouse be okay?
Survivor income, Social Security for widows and widowers, and a plan both of you understand.
Read moreProtecting the plan
Taxes, Medicare, long term care and life insurance, and how each one touches your income.
Read more
The big idea
Every dollar needs a job.
Money you need next year has a different job from money you may not need for fifteen years. So we sort your money into three buckets, each with its own purpose.
Now: your foundation
Dependable income for everyday life: Social Security, pensions and other steady sources that cover the bills.
Next: your confidence
Money set aside for the plans and purchases of the next several years, so a bad year in the market is less likely to force you to sell.
Later: your opportunity
Money with time to grow, for the decades ahead and the people you love.
Let's look at your numbers together.
A first conversation is about you: your income, your concerns and your timeline. You'll leave knowing which step comes first.