Retirement income
Turning your career into retirement income
Dividend growth, tax mitigation, and withdrawal sequencing.
From practice income to retirement income
After a career spent building your practice and your portfolio, it’s time for your portfolio to do the heavy lifting. As it was with building your practice, maximizing your retirement income requires careful planning and precise execution. We’re here to help in every aspect, from coordinating rollovers and running the numbers on conversions, keeping an eye on IRMAA thresholds, modeling the timing of Social Security claims, and managing your accounts with the goal of increasing income and mitigating taxes.
What income can your portfolio afford?
Balancing desired income, risk tolerance, and the realities of your portfolio is not always a simple task. We believe it is imperative that you live life while you can; our job is to make sure that you have a clear understanding of the consequences (or the lack thereof) of any big post-retirement spending decisions, lifestyle changes, or portfolio risk adjustments.
Creating a sustainable income stream
We take the time to build diversified retirement income portfolios using individual stocks, many of which have long track records of sustaining and raising dividends, even in times of market turbulence. Although dividends can be cut, something we pay close attention to, many companies have gone decades choosing instead to sustain or raise their dividend, often at a rate higher than inflation. Combining this steady, growing dividend stream with interest from bonds, dividends from preferred stocks, and robust cash reserves can effectively transform a portfolio from a savings vehicle into the source of your new retirement income.
It is impossible to predict the future, and market returns can be uncertain, but we believe disciplined risk management and a commitment to quality and reliability over quantity and growth-chasing can provide the comfort you need to turn off the news and focus on the things that matter in your life.
Common questions
How is retirement income sequenced?
We plan withdrawals account by account and year by year: which to draw from, in what order, and at what tax cost, sequenced against the lifetime tax bill rather than a single year. We time Social Security inside that plan. Every figure traces to published assumptions and locked inputs, so a plan reopened later shows the same numbers.
How does a practice sale fit into my income plan?
If you own your practice, the sale is often the largest single event in the plan. We model the proceeds and the timing of the transition alongside your portfolio, so you decide when to step back with the full income picture in view.
Do I need to be near retirement to start?
No. Account mix, tax treatment, and the timing of a practice transition compound over a career, so the planning starts well before the exit.
Map out your retirement income
A conversation about where your income plan stands, and what it can support.