Create sustainable income for life with tax‑efficient strategies, risk control, and smart withdrawals.
Capture employer match first. Choose Roth vs Traditional based on current vs future tax expectations. Consolidate accounts to simplify management.
Understand vesting, payout options, and survivor benefits. Coordinate with Social Security and personal savings.
Common approaches include the 4% rule, guardrails, or dynamic withdrawals based on portfolio performance and spending needs.
Budget for Medicare parts, Medigap, prescriptions, and long‑term care. Consider HSA contributions pre‑retirement.
In your 20s–30s: growth and accumulation. 40s–50s: optimize and catch‑up. 60+: secure income, plan distributions, and reduce sequence risk.
Keep beneficiaries current, maintain wills and trusts, and coordinate titling with tax and legacy goals.
Get an integrated plan that coordinates investing, taxes, insurance, and withdrawals.
Social Security
Delaying benefits increases payments. Consider longevity, spousal benefits, and other income when choosing your start age.