Learn
How retirement income works, explained plainly.
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The two that matter most
Watch
The Next Phase, explained
Why NextPhase
The case for planning retirement income around when you need the money rather than around a risk score.
NextPhase Process
How the plan gets built, step by step, from your income floor outward.
Constrained Investor
Why someone who needs their portfolio to produce income cannot invest like someone who does not.
Timing Risk
What happens when the market falls early in retirement, while you are drawing on it.
Good Decisions
The decisions that move a retirement outcome most, and when each one has to be made.
Molly & Sandra
Two households with the same balance and different plans, and why the difference is their income needs.
Glossary
The terms that matter most in retirement
- Sequence-of-returns risk
- Volatility drag
- Time segmentation
- The 4% rule
- Safe withdrawal rate
- Tax-loss harvesting
- Concentrated stock position
- Required minimum distribution (RMD)
- Roth conversion
- Social Security claiming age
- Asset location
- Bond ladder
- Covered call
- IRMAA
- Qualified charitable distribution (QCD)
- Roth conversion ladder
- Pension lump sum vs. annuity
- Longevity risk
- Inflation risk in retirement
- Fee-based vs. commission
Let us find out what your portfolio can actually pay you.
Thirty minutes to see where your income will come from. If we are not the right fit, we will tell you.