Retirement Income Planning

Income sleeves layered from dividends, preferred stock, private credit, and select alternatives, engineered to throw off roughly 6% in cash yield without touching principal. Withdrawal sequencing across taxable, tax-deferred, and Roth that minimizes lifetime tax, not just this year's. Roth conversion windows mapped to the gaps in your tax brackets. And Social Security timing modeled against the whole plan, not chosen off a rule of thumb.

We start with the only number that matters: what you actually need to pull from the portfolio each year: the dollars, not a percentage. From there we build the income sleeve to cover it, set the withdrawal sequence, and stress-test the whole thing against down markets, inflation, and a long life. Then it updates as your life and the markets do.

Picture a $1,000,000 portfolio with a $40,000 annual need. Split it evenly between growth and income, with the income sleeve yielding 6%, and the sleeve alone generates $30,000 in cash. The rest comes from measured rebalancing, not a fire sale. When the market drops 20%, nothing has to be sold to pay you. The distributions keep arriving, and you get to wait out the recovery instead of funding your retirement at the bottom.

Real retirement income planning doesn't stop at the account. We sequence which buckets you draw from and when, use the low-income years for strategic Roth conversions, and time Social Security to the rest of the picture. Done together, those moves can add years to how long the money lasts, without changing a dollar of what you spend.

Pre-retirees five to ten years out who want the math to work before they pull the trigger. Retirees who've been running on rules of thumb and want a real income plan underneath them. Anyone whose current advisor treats 'set it and forget it' as an actual retirement strategy.