How do I know if I have enough to retire?

We build a model of your spending, income sources, and assets, then test it against poor markets and a long lifespan. You will see the answer in plain terms, not a vague reassurance, but a number and the assumptions behind it.

Which accounts should I spend first?

It depends on your tax brackets now versus later. Often there is a window after you retire and before required withdrawals begin where drawing from, or converting, tax-deferred accounts saves significant tax. We map that sequence for your situation.

When should I claim Social Security?

For many people, waiting increases the benefit meaningfully, but the right answer depends on your health, your other income, and your spouse. We model the options rather than apply a rule of thumb.

Services

Plan the rest of your career without guessing at the math

The years right before and after you stop working are the ones that matter most. We help you answer the real questions: when you can retire, how much you can spend, and where the income comes from.

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Why this matters

Retirement is not one decision; it is a sequence of them. When to claim Social Security, which accounts to draw from first, how to bridge to Medicare, how to keep a market drop early on from following you for decades.

Get the order right and the same savings last longer and trigger less tax. We model your specific picture so you can stop guessing and start spending with confidence.

The work

What we do

Model when you can retire and what you can safely spend, in today's dollars.
Build a withdrawal order across taxable, tax-deferred, and Roth accounts to lower lifetime taxes.
Plan Roth conversions in the low-income years between retiring and required withdrawals.
Time Social Security and plan the gap before Medicare at 65.
Stress-test the plan against a bad early market and a long life, so income holds either way.

Who this is for

This is for people within roughly ten years of retiring, including executives coordinating a retirement date around vesting schedules and deferred compensation.