Who we serve
The decade around retirement is when planning is the most important. Your savings are near their peak, your income is still high enough to shape your tax picture, and you have not yet locked in Social Security or a pension election. After you retire, some of these decisions are irreversible.
What this complicates
Everything you did for 35 years — save steadily, stay invested, ignore the noise — was correct for accumulating. None of it tells you which account to withdraw from, or what to do when the market falls in the year you retire.
Poor returns early in retirement, combined with withdrawals, do damage that later good years cannot undo. This is one of the most under-planned risks we see, and it is entirely addressable if you deal with it before you retire.
If you are five years apart, your Social Security starts at different times, your Medicare starts at different times, and your income plan looks different from that of a same-age couple with identical savings.
Why us
Our office is in downtown Colorado Springs. Most of our clients live in and around the city, and the rest live all over the country. What they have in common is timing: they are close to retirement and want income they can count on.
If you are nearby, you can come in and sit down with us. If you are not, we meet by phone or video call. Either way, when something changes, you reach someone who knows you.
Questions
Our process works best when the planning starts five years before retirement. That is enough runway to shape your tax picture and position assets before you need them, and close enough that the numbers are real rather than a guess about a distant future.
No. Plenty of people come in with a range rather than a date, and part of the work is finding out which dates actually work. Knowing that 63 works and 61 does not is often the most useful thing you learn.
Many people we meet do. The question worth asking is whether your current plan addresses what happens when you start withdrawing, or whether it is a growth portfolio with a withdrawal rate attached. If it is the second, that is worth a conversation.
Related
A pension you elect once. Accounts inherited through decades of mergers. A savings plan with room most employers do not offer. All of it worth more if you know what you are actually holding.
Pension income for life is rare now, and it changes what your portfolio has to do. It also comes with elections you make only once.
You did not set out to hold this much of one company. It accumulated — and now selling has a cost, so it keeps growing.
Thirty minutes to see where your income will come from. If we are not the right fit, we will tell you.
