Retirement Planning

A withdrawal plan that says which account funds which year, and why

Retirement planning isn't a number on a slide — it's a sequencing decision. We model when to claim Social Security, which accounts to draw from first, and how much of the portfolio stays invested in equities versus bonds through each phase of retirement.

Model My Retirement Income See Wealth Management

What the plan covers

We build a year-by-year income model that accounts for Social Security timing, required minimum distributions, Roth conversion opportunities, and a glide path that gradually shifts your allocation from growth toward income as you approach and enter retirement.

✓ Social Security claiming-age analysis (62 vs. full retirement age vs. 70)
✓ Withdrawal sequencing across taxable, tax-deferred, and Roth accounts
✓ Required minimum distribution (RMD) planning starting the year they apply
✓ Roth conversion windows modeled against your projected tax bracket
✓ Equity-to-bond glide path aligned with your spending horizon

Who this is for

Clients within 15 years of retirement, or already retired and looking for a formal withdrawal sequence instead of pulling from whichever account is easiest.

Typical outcome

A written retirement income plan reviewed annually, stress-tested against a range of market return and inflation scenarios.

The Glide Path

How allocation shifts as retirement approaches

10+ years out

Growth phase

Higher equity weight, including the full digital asset allocation, since the time horizon can absorb drawdowns.

3–10 years out

Transition phase

Equity weight steps down on a defined schedule; bond ladder is built out to cover the first five years of retirement spending.

In retirement

Distribution phase

A cash and short-duration bond buffer covers 1–2 years of spending so equities are never sold during a downturn to fund withdrawals.

Social Security and tax projections are estimates based on current law and your reported information; actual benefits and tax outcomes depend on future legislation and your specific circumstances. We recommend involving a tax professional before executing any Roth conversion.