For Retirees & Pre-Retirees
Wealth Planning for Retirees
The decisions you make in the five years around retirement matter more than any others. We get them right.
01
Income that lasts
We design withdrawal strategies that sustain your lifestyle through every market environment — including the difficult ones early in retirement.
02
Tax-aware everything
Roth conversions, asset location, qualified-charitable-distributions, and capital-gain harvesting can save retirees six and seven figures over a lifetime.
03
Estate transitions
Beneficiary audits, trust structures, gifting strategy, and the family conversations that make legacy planning actually work.
What's included
- Withdrawal sequencing across taxable, tax-deferred, and Roth
- Social Security claiming optimization (single and spousal)
- Roth conversion ladder modeling
- Required Minimum Distribution (RMD) planning
- Medicare IRMAA bracket awareness
- Qualified Charitable Distribution (QCD) coordination
- Long-term-care funding strategy
- Beneficiary designation audits across all accounts
- Estate document review and refresh
Frequently Asked
Questions we often hear
There is no universal answer. The right claiming age depends on your health, your spouse's earnings history, your other income sources, and your tax bracket today vs. age 70. For many of our clients, delaying to age 70 produces the highest lifetime expected value, but for others — particularly with pension income or limited longevity in the family — earlier claiming can be optimal. We model your specific scenario across multiple longevity assumptions before recommending a strategy.
Begin a Conversation
Schedule a private consultation at our Albany office or by video.
Schedule Consultation