The income side flips. The tax side gets more complex. Healthcare arrives early. We help you design the next 30 years across cash flow, taxes, and the parts that aren't on a spreadsheet.
Most people approach retirement as a date. The math is more interesting than that. The day you stop earning a W-2, the income side of your balance sheet inverts — and the tax side gets considerably more interesting, not less.
The decisions made in the five years before and the five years after retirement determine the next thirty. Roth conversions, drawdown sequencing, Medicare elections, Social Security timing, and the order in which accounts get tapped — these compound, in both directions.
We help you redesign the financial system around the new reality: where each year's income comes from, what the tax bracket looks like by decade, and how the plan absorbs the things you can't predict.
A starting checklist. Not exhaustive — a place to begin.
A year-by-year income map across every account, optimized for tax brackets and Medicare premiums for the next 30 years.
The decade between retirement and RMDs is the most valuable tax window of your life. We use it deliberately.
Sequence-of-returns risk, healthcare shocks, and longevity — modeled across 25+ scenarios so the plan holds when reality doesn't cooperate.
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.
How to think about year-by-year retirement income across taxable, tax-deferred, and Roth accounts — without leaving five-figure tax savings on the table.
