Retirement Planning

Managing risk is a balancing act: you need enough growth to outpace inflation, but enough stability to avoid tapping into assets during market downturns. Many use a tiered approach—liquid, low-risk assets cover near-term spending, while remaining investments support growth. Withdrawal strategies should be flexible, incorporating safe initial withdrawal rates and adjusting as needed to ensure longevity.

Ideally, you begin reviewing your retirement plan well before retiring. About 5–10 years out, it’s wise to reduce high-risk holdings and build a cash reserve (often 1–2 years’ worth of withdrawals). This “bucket strategy”—allocating funds into short-term cash, mid-term bonds, and long-term equity—helps buffer volatility while keeping growth on track.

There’s no one-size-fits-all answer—needs vary by lifestyle, projected expenses, and length of retirement. Common approaches include aiming for 70–100% of pre-retirement income, applying the “4% rule” (dividing desired annual income by 4%), or calculating based on multipliers like saving 10× your final salary. We help tailor projections using personalized goals and account for other income streams when available.

Retirement planning means aligning your broader financial strategy with long-term goals—thinking about how income sources, spending needs, and investment allocations evolve once you stop working. While legal or tax professionals handle things like Social Security strategies, pensions, or account rules, we focus on crafting a sustainable investment plan designed to support your desired retirement lifestyle.