Retirement solutions, income planning and qualified rollovers. Building it is half the job. Turning it into income that lasts is the other half.
A reliable approach to your financial future, and a clear head about what to do with an old 401(k), 403(b) or IRA.
Book a meetingMost people arrive with the second one. An old 401(k) from two jobs ago, an IRA someone opened for them, a pension they half understand, and a number in their head that nobody has ever checked.
We start by finding out what you actually have and what it is doing. Then we look at what you want your retirement to cost, which is a different question and usually the harder one.
Building the savings is the part everyone plans for. Turning it into income that lasts is the part that decides how retirement actually feels.
Savings, investments, pensions and Social Security are separate things until someone coordinates them. We work out which account each dollar should come from, in what order, and what that adds up to every month.
A poor market in the first years of retirement does damage that the same market later would not, because you are selling while values are down. Planning for that is a different exercise from planning an average rate of return.
Social Security timing, withdrawals, taxes, required distributions, insurance and what you leave behind are usually decided separately. They work considerably better decided together.
Move the sliders. This is a conversation starter, not a plan, and it is deliberately simple.
Illustration only. Uses a flat 5% assumed return and a 25x spending rule of thumb. It ignores taxes, Social Security, inflation on your savings, market sequence, and everything else that makes a real plan a real plan. It is not a projection of results and not a recommendation.
There are usually four options and one of them is almost always overlooked.
Sometimes correct. Old plans occasionally have institutional pricing or a fund you cannot buy anywhere else. Worth checking before you move anything.
Simple, keeps everything in one place, and preserves certain protections. Limited by whatever menu the new plan offers.
Opens up the widest set of choices and makes coordination easier. Changes some creditor protections and some distribution rules.
Almost always the expensive answer once taxes and penalties are counted. We will tell you that plainly rather than pretend it is not on the list.
Even the ones you have not opened. We will tell you what you are actually holding.
