The flagship

Retirement isn't a number you save to. It's an income you build.

A plan for turning what you've saved into money you can actually spend — in the right order, from the right accounts, without an unnecessary tax bill along the way.

In Drew’s Words

Retirement Income

Simply Explained

Most people spend thirty or forty years accumulating — a 401(k) here, an old IRA there, maybe a pension or Social Security on top. Almost nobody spends any time planning the other half: how that money actually turns into a paycheck once the job ends.

That's the gap Retirement Income Planning closes. We look at every account you have, when Social Security makes sense to claim, what your Required Minimum Distributions will force you to withdraw and when, and build a withdrawal sequence designed to fund your life without handing more to the IRS than the law requires.

Because your tax strategy and your investment strategy are built by the same team, in the same building, the income plan and the tax plan are one document — not two advisors working from different assumptions.

The Retirement Tax Savings Line

The ages the tax code opens a window — and closes it.

Select your age to see which planning opportunities remain available, and what the window is worth.

59½

Penalty-Free Retirement Income

Once you reach age 59½, the IRS removes the 10% early withdrawal penalty on retirement accounts, opening one of the most valuable tax-planning windows.

Opportunity: Coordinate Roth conversions, IRA withdrawals, and investment income before Medicare and RMDs increase taxable income.

Average lifetime tax savings · Planning begun at 59½–64

$850,000

The widest planning window — penalty-free access, but before Medicare and RMDs constrain the math.

Social Security Begins

You can claim Social Security as early as age 62 — but claiming early permanently reduces your benefit.

Opportunity: Build a tax-efficient income strategy before filing, rather than making Social Security a standalone decision.

Average lifetime tax savings · Planning begun at 59½–64

$850,000

The widest planning window — penalty-free access, but before Medicare and RMDs constrain the math.

Medicare & IRMAA

Medicare enrollment begins, and your taxable income can directly increase your Medicare premiums.

Opportunity: Time Roth conversions, capital gains, and retirement withdrawals to minimize future IRMAA surcharges.

Average lifetime tax savings · Planning begun at 65–67

$450,000

Still substantial, but Medicare premiums now react to every dollar of taxable income.

Full Retirement Age

Your full Social Security retirement benefit becomes available, creating new options for claiming strategies and retirement income planning.

Opportunity: Coordinate Social Security with portfolio withdrawals and tax brackets for greater lifetime after-tax income.

Average lifetime tax savings · Planning begun at 65–67

$450,000

Still substantial, but Medicare premiums now react to every dollar of taxable income.

70½

Qualified Charitable Distributions

If you give to charity, you can donate directly from your IRA beginning at age 70½.

Opportunity: Satisfy charitable goals while reducing taxable IRA income and future Required Minimum Distributions.

Average lifetime tax savings · Planning begun at 68–70

$200,000

Fewer years left to spread conversions across brackets before distributions are forced.

Required Minimum Distributions

The IRS now requires annual distributions from pre-tax retirement accounts for those born 1959 or earlier.

Get it wrong: Waiting until RMDs begin often means missing years of proactive Roth conversion and tax planning.

Average lifetime tax savings · Planning begun at 71–75

$50,000

Once required distributions begin, most of the meaningful levers have already closed.

Required Minimum Distributions

The IRS now requires annual distributions from pre-tax retirement accounts for those born 1960 or later.

Get it wrong: Waiting until RMDs begin often means missing years of proactive Roth conversion and tax planning.

Average lifetime tax savings · Planning begun at 71–75

$50,000

Once required distributions begin, most of the meaningful levers have already closed.

How It Works

Full picture

We map every account, pension, and benefit you have — not just the ones you brought with you.

Decision points

We walk through the ages that matter for your specific situation: when to claim Social Security, when RMDs start, what your Medicare timeline looks like.

The income plan

A written sequence for which accounts fund which years, coordinated with your tax situation, not built in isolation from it.

Ongoing review

Tax law changes, markets move, and life happens. The plan gets revisited, not filed away.

Who this is for

You're within a few years of retirement, or already retired, and haven't turned your savings into an actual income plan
You have retirement accounts at more than one former employer, or alongside a pension or Social Security
You want your investment, tax, and estate decisions made together instead of by three people who don't talk to each other

Who this isn’t for

You're early or mid-career and still primarily focused on saving, not drawing down
You're looking for a stock-picking or trading service rather than a retirement income plan

Questions

When should I start taking Social Security?

It depends on your health, other income sources, tax situation, and whether you're still working. Claiming at 62 locks in a permanently reduced benefit; waiting until 70 maximizes it. There's no single right age — it's a decision that should be made alongside the rest of your income plan, not on its own.

How much can I safely withdraw each year?

A sustainable withdrawal rate depends on your account mix, time horizon, other income sources, and how the sequence of early-retirement market returns plays out. We build a withdrawal plan specific to your accounts rather than applying a single generic rule.

What are Required Minimum Distributions and when do they start?

RMDs are mandatory withdrawals the IRS requires from most tax-deferred retirement accounts, currently starting at age 73 under SECURE 2.0. They're taxable as ordinary income and can push you into a higher bracket or affect Medicare premiums if they aren't planned for in advance.

Do you replace my CPA or estate attorney?

That's your call, and both answers work. If you want to keep the CPA and attorney you already have, we coordinate with them directly so nothing falls through the cracks between your advisor, your tax preparation, and your estate planning. If what you actually want is everything under one roof, we can be that too — the tax work and the legal advice come from our own team, in the same building, working from the same plan.

Related services

Planning rarely stops at one decision. These are the pieces that most often sit alongside retirement income planning.

Tax Planning
Your investment decisions and your tax strategy, built by the same team, under one roof — instead of an advisor and a CPA who've never spoken.
IRA & 401(k) Planning
Rollover decisions, account consolidation, and employer-plan complexity — handled with a full view of the tax consequences, not just the paperwork.
Estate & Trust Planning
Wills, trusts, and beneficiary designations coordinated with your actual financial plan — reviewed and implemented under one roof alongside our legal counsel, not left to gather dust.

Talk it through before you decide anything.

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