We manage your assets and coordinate where each year's income comes from — investments, Social Security, pensions, and tax-efficient withdrawals — so the money you've spent a career building actually lasts. We don't sell annuities or insurance products.
Year-by-year income sourced across taxable, tax-deferred, and Roth — built to keep tax brackets low across a 30-year horizon.
The window between retirement and RMDs is the most valuable tax planning years of your life. We use it on purpose.
Single, joint, and survivor-benefit modeling. We show the breakeven explicitly instead of defaulting to 'wait until 70.'
Enrollment timing, Part B and Part D coordination, and managing modified AGI so IRMAA surcharges don't surprise you.
Single-life vs. joint-and-survivor vs. lump-sum — modeled against your full balance sheet, not as a standalone decision.
If you're retiring before 65, the bridge from employer coverage to Medicare is its own planning problem. We solve it before you give notice.
At CWT, the lead advisor on your practice is the person you talk to — not a relationship manager passing notes to a planner.
Megan leads our Retirement Income practice — traditional W-2 retirees with $1.5–10M in qualified accounts, Social Security and Medicare timing, and a drawdown plan that has to last thirty years.
A practical framework for building a retirement income plan from a $1.5M+ qualified-account balance sheet.
Which account to spend from first isn't obvious — and the wrong order can cost six figures over a 30-year retirement.
ReadThe decade between retirement and RMDs is the most valuable tax planning window of your life. Here's how to use it deliberately.
ReadDefaulting to 70 isn't always right. A practical look at when claiming earlier wins.
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