SeasideWealth Advisors
Schedule

Who we serve · 03

Retirees & Pre-Retirees

The question isn't what percentage you can withdraw. It's whether the paycheck shows up in a down year without selling at the bottom. We engineer the income first, then let the growth do its job.

Schedule a ConsultOr run the Estimator →

Twelve months, twelve deposits, one drawdown that didn't matter.

A year of retirement paychecks

JAN$4,000
FEB$4,000
MAR$4,000
APR$4,000
MAY$4,000
JUN$4,000
JUL$4,000
AUG$4,000market down 14%, deposit unchanged
SEP$4,000
OCT$4,000
NOV$4,000
DEC$4,000

12 deposits · $48,000 for the year · zero shares sold in the drawdown

Illustrative income sleeve at a ~6% yield on $800K.

  • 01

    The income sleeve

    Dividends, preferred stock, and private credit layered to throw off roughly 6% in cash, engineered around what you actually need to spend. A 20% drawdown changes your statement, not your grocery budget.

  • 02

    Sequence beats percentage

    Which account you draw from, and when, moves lifetime taxes more than the withdrawal rate does. We sequence taxable, tax-deferred, and Roth, use the low-income window for conversions, and time Social Security from the math rather than a rule of thumb.

  • 03

    Stress-tested before you leap

    For pre-retirees five to ten years out, the plan gets tested against down markets, inflation, and a long life before the paycheck stops. If the math doesn't work, we say so while there's still time to change it.

Where to go next

The work behind this, in depth.

Retirement Income PlanningIncome SleeveRun the Estimator

Most clients leave their first call with something their last advisor never gave them: a plan.

Thirty minutes. No prep needed. We'll walk through your situation and tell you what we'd do differently.

Schedule a 30-Minute ConsultOr start with the Estimator →