In the first years of retirement, small decisions compound. We'll set up a tax-aware withdrawal order, size your cash buffer, align a custom portfolio, and coordinate Social Security and Medicare details—with custody at Charles Schwab.
Recently retired (0–3 years) and want a clear monthly income plan
Need to decide when to start Social Security (or confirm a choice)
Sorting Medicare logistics and IRMAA awareness
Planning RMDs soon or timing Roth conversions
Holding legacy positions with gains; need a tax-aware transition
Want estate documents/titling checked, funded, and stored properly
Automate transfers to checking on a schedule you choose—so income feels steady.
Learn how to blend taxable → tax-deferred → Roth accounts, and plan for RMDs.
Calendar RMDs and test partial Roth conversions in your early retirement years.
In-house stocks & ETFs (no mutual funds), risk ranges, and a down-market playbook.
Model now vs. FRA vs. 70; coordinate enrollment and avoid IRMAA surprises.
Beneficiary review, trust funding coordination, notary, and a secure digital vault.
Attorney/CPA services are separate; we coordinate planning and paperwork. Insurance (if placed) is offered through SG Insurance & Estate Services LLC; carrier pays any commissions—disclosed in writing.
Discuss goals, monthly net target, taxes/healthcare notes, beneficiaries. (20 minutes)
Plan withdrawal order, cash buffer, Social Security timing, and RMD/Roth game plan.
Turn on your retirement income, store signed docs in your digital vault.
Check cash flow, rebalance if needed, confirm guardrails are working.
See Fees & What's Included page for current rates
No mutual funds in managed accounts—avoid loads/12b-1 fees
Only if you engage an attorney/CPA or third-party notary
Quick way to get started! Great for initial conversations.
Secure screen-share from anywhere—review projections together.
Our Scottsdale office at 7900 E Thompson Peak Pkwy.
Most use 6–12 months of planned withdrawals; we size it to your pensions, spending flexibility, and risk tolerance.
We model now vs. FRA vs. 70 and coordinate with your taxes, portfolio, and survivor needs—then document the trade-offs.
RMDs start at age 73 (75 in 2033). Early retirement is often an ideal time for partial Roth conversions—we test whether conversions reshape your future taxes and RMDs.
No. We manage individual stocks & ETFs. Clients pay our advisory (AUM) fee plus the ETF expense ratios—no mutual fund loads or 12b-1 fees.
Accounts are custodied at Charles Schwab. SIPC/excess SIPC protections apply to broker failure (not market loss). You retain control and can see your accounts anytime.
Schedule a no-obligation introductory call to discuss how we can help coordinate your retirement income.
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