Retirement Income Planning: From Saving to Spending
After 40 years of saving, the hardest financial transition of your life is flipping the switch from accumulation to distribution. The strategies that built your nest egg are not the strategies that protect it.
Cover the Essentials First
Step one: identify your non-negotiable expenses — housing, food, healthcare, insurance. Cover those with guaranteed income (Social Security, pensions, annuities) so you sleep at night no matter what the market does.
Then Layer Growth and Flexibility
Discretionary spending — travel, gifts, hobbies — can come from your invested portfolio. A volatility buffer (1–3 years of expenses in stable assets) keeps you from ever selling stocks at a loss to eat.
Stress-Test the Plan
We run your plan against bad markets, long lives, high inflation, and the death of a spouse. If it survives all four, you have a real retirement income plan — not just a portfolio.
Want this applied to your own retirement plan?
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