A paycheck for the life
after the W-2.
Income planning is the work of turning savings, Social Security, pensions, and the right insurance products into a steady, planned-for monthly income. We do it with you, not at you.
You've spent decades saving. Now comes the harder part: spending it wisely. Income planning is the art and science of turning your savings into a reliable paycheck that covers your life, the monthly bills, the travel, the gifts to family, and the unexpected.
At our firm, we build retirement income plans that coordinate Social Security timing, tax-efficient withdrawals, annuity income, and investment distributions, so your money lasts and you keep more of it.
Everything that
actually moves the plan.
Built around your life
You've spent decades saving. Now comes the harder part: spending it wisely. Income planning is the art and science of turning your savings into a reliable paycheck that covers your life, the monthly bills, the travel, the gifts to family, and the unexpected.
Our approach
We build what we call a 'retirement paycheck', a tax-efficient monthly income stream that covers your essential expenses with guaranteed sources and funds your lifestyle goals from your investment portfolio.
The details that matter
The withdrawal order matters enormously. Drawing from the wrong account in the wrong year can cost tens of thousands in unnecessary taxes. We set which accounts you pull from each year based on your tax bracket and Roth conversion opportunities.
Why us
Income planning is where our 50 years of experience really shows. We've navigated recessions, rate changes, tax law overhauls, and market crashes, and our clients' income plans held up through all of it.
A firm built for this.
Income planning is where our 50 years of experience really shows. We've navigated recessions, rate changes, tax law overhauls, and market crashes, and our clients' income plans held up through all of it.
We live in the same communities you do. We understand what it costs to live in the Northern Suburbs, and we plan accordingly.
Honest answers.
How do I create income in retirement without a paycheck?
Your retirement income typically comes from Social Security, retirement account withdrawals (401k, IRA, Roth), annuity payments, pension income if applicable, and investment dividends. We coordinate all these sources into a monthly income plan tailored to your expenses.
What's the best withdrawal strategy for retirement?
The most tax-efficient approach is usually to draw from taxable accounts first, then tax-deferred accounts (traditional IRA/401k), then tax-free accounts (Roth). But the optimal strategy depends on your specific tax situation and RMD requirements.
How long will my money last in retirement?
That depends on your withdrawal rate, investment returns, inflation, and healthcare costs. We run detailed projections using Monte Carlo simulations to stress-test your plan across thousands of market scenarios, so you know the probability of success, not just a guess.
Common questions about income planning.
Real plans.
Income Planning in your
community.
Let’s build the plan.
One free conversation. We’ll look at where you are and show you what a real plan looks like.