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Retirement Income Planning

Convert your business into a reliable source of retirement income. Our retirement income planning strategies help owners transition with clarity, tax efficiency, and long-term financial security.

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OVERVIEW

Plan with clarity

Retirement isn’t the end of planningโ€”it’s the shift into a new phase. Our Retirement Income Planning solutions are designed for small business owners and professionals who want to create predictable, tax-efficient income strategies from their retirement savings. We help you transition from accumulation to distribution without uncertainty.

Whether you’re planning to sell the business, transition it internally, or step back gradually, your income stream needs to support your lifestyle, taxes, and estate objectives. Our solutions integrate business cash flow, retirement plan distributions, Social Security timing, and insurance tools into a cohesive planโ€”built to last through every stage of your exit.

Built for Income

When itโ€™s time to begin drawing income from your business-sponsored retirement plan, the right structure matters. Whether you’re planning a gradual exit, converting assets into income, or managing distributions across multiple plans and entities, we help you build a cohesive retirement income strategy that matches your long-term vision. Designed for business owners, partners, and professionals nearing the income phase of their journey, our approach balances tax efficiency, cash flow reliability, and evolving business priorities.

Business Account Features

  • Business-linked income planning for 401(k), SEP, SIMPLE, and Defined Benefit structures
  • Custom RMD tracking and multi-plan integration
  • Exit-aligned income structuring
  • Roth conversion modeling with tax overlays
  • Healthcare premium coordination (Medicare, COBRA, HSA)
  • Ongoing advisor-led income monitoring and cash flow reviews
  • Secure digital plan access and annual updates
  • Optional integration with legacy or charitable strategies

Is It Right for You?

If you’re nearing retirementโ€”or already retiredโ€”and want to ensure your savings last, Retirement Income Planning can help. You might benefit from this if you:

  • Have a SEP IRA, SIMPLE IRA, Solo 401(k), or Defined Benefit Plan tied to your business
  • Are transitioning out of day-to-day operations and need a distribution plan
  • Want to align personal income with business cash flow
  • Need guidance on Required Minimum Distributions (RMDs)
  • Are evaluating Roth conversion strategies or exit timing
  • Prefer predictable income while maintaining control of assets
  • Want to minimize taxes on retirement distributions
  • Plan to reinvest part of your income into other ventures or real estate

Key Benefits

A custom income strategy gives business owners more than tax advantagesโ€”it provides clarity, continuity, and control. Key benefits include:

  • Structured, tax-efficient distributions across multiple account types
  • Integration with business exits, succession plans, or phased retirements
  • Preservation of qualified plan benefits during income phase
  • Flexibility to adapt to personal needs and business cash flow
  • Coordination with Medicare and Social Security decisions
  • Compliance with plan distribution rules and IRS timelines
  • Guidance on converting to personal income without overpaying in taxes

Fees & Expenses

Our Retirement Income Planning services are included for clients enrolled in ongoing business advisory or investment management relationships. For stand-alone projects, pricing is based on the complexity of your plan, income structuring requirements, and the number of plans or accounts being coordinated. All fees are disclosed in advance. We do not receive compensation from third-party products unless clearly agreed upon in writing.

Secure your income beyond the business.

Explore custom retirement income strategies built for business owners.

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