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Retirement Planning & Distribution
The 10 to 15 years before you retire decide what retirement actually looks like, and most people spend them just hoping it works out. The moves you make now, especially on taxes, matter far more than anything you can do once you've already stopped working.
Sound familiar?
You have accounts everywhere and no clear answer to “can I actually retire, and when?”
You don't know which accounts to draw from first, or what it'll cost you in taxes.
You worry about running out, or about being so cautious you leave too much behind.
How we help
Our approach
Most people don't plan their retirement until it's nearly here, and by then the most valuable tax moves are already gone. We start a decade or more out: modeling when you can realistically retire, building a tax-efficient withdrawal and Roth-conversion strategy, and making the years before retirement deliberate. So the switch from saving to spending is something you planned for, not something that happens to you.
What's included
- A clear answer to "Can I retire, and when?"
- Tax-efficient distribution and withdrawal-sequencing strategy
- Social Security timing and pension/annuity coordination
- Prioritizing the lifestyle goals that matter most to you
Who it's for
Gen X professionals roughly 10–15 years from retirement who want to plan proactively, not wait and react once they've stopped working.
The result: A clear, tax-efficient income plan that answers “when can I retire,” and makes your savings last as long as you do.
The runway
The years before retirement decide the rest
Most of the moves that make retirement work happen before you ever stop working. Here is how we use that runway, from a decade out to the day you draw your first check.
Build the runway
The highest-leverage moves happen now, while you still have time and flexible tax brackets.
- Model a realistic retirement date
- Fill tax-advantaged accounts
- Convert to Roth while brackets are low
- Organize scattered accounts
Tighten the plan
The target comes into focus, and the sequencing decisions start to carry real weight.
- Pin down the number you actually need
- Plan the bridge years before Social Security
- Coordinate pension and equity-comp choices
- Stress-test against down markets
Set the switch
This is where a good plan becomes a smooth transition instead of a leap of faith.
- Lock in the withdrawal order
- Time Social Security deliberately
- Bridge healthcare to Medicare
- Dial back risk where it counts
Draw it down, tax-smart
The plan keeps working: every year brings a fresh set of bracket and timing decisions.
- Execute the withdrawal sequence
- Manage RMDs and tax brackets
- Revisit as markets and law change
- Keep more of what you saved
The tax angle
The order you withdraw can cost, or save, you a fortune
Which accounts you tap, and when, drives your tax bill for the rest of your life. We build a withdrawal and Roth-conversion strategy, with Social Security timing and Louisiana's taxes in view, to stretch every dollar.
Retirement Planning & Distribution FAQ
Retirement Planning across the New Orleans metro
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Ready for a plan that's actually clear?
Book a no-pressure consultation. We'll talk through where you are, where you want to go, and whether we're the right fit. (We'll tell you honestly if we're not.)