Retirement Income Strategies

I’ll never forget the chill that ran down my spine, and my soon to be client’s. October 24th, 2008. David, a sharp engineer who’d meticulously planned his retirement for years and had only just hung up his hat. He logged into his portfolio in my office. The silence was...

Nearly 40% of American households run short of money in retirement. Even more alarming: in 2025, almost two-thirds of savers (64%) worry more about running out of money than death itself. This isn't just anxiety—it's a planning failure. The right retirement withdrawal strategies can transform retirement from anxious to comfortable....

Ever found a surprise boost in your Social Security payment? It happens more often than you think. In fact, unexpected changes in Social Security benefits are common, often tied to adjustments that many retirees overlook. So, why did you get extra money from Social Security this month? Understanding the intricacies...

Have you ever wondered if $4,000 a month is the magic number for a worry-free retirement? Do you think think that you can live on $4,00 a month in retirement? It's a burning question on the minds of many soon-to-be retirees. Imagine a life where you can kick back,...

Are you wondering, how long will my money last in retirement? Do you feel unsure about how to choose the right withdrawal rate and when to make those withdrawals? You're not alone! According to recent studies, nearly half of Americans are unsure if they will have enough money to...

Ever caught yourself wondering, 'How can I reinvest my Required Minimum Distributions (RMDs) into a Roth IRA?' You're in cgood company! This question is a hot topic among those navigating the retirement planning landscape. Understanding the ins and outs of RMDs and Roth IRAs can feel like a financial...

As a financial planner for nearly 30 years, I saw the same look of surprise on my clients' faces when they hit their 70s. After a lifetime of diligent saving, the IRS suddenly required them to start withdrawing money from their tax-deferred retirement accounts. Whether they needed it or not. This...

Deciding when to start collecting your Social Security retirement benefits is one of the most consequential financial choices you will ever make. After guiding hundreds of clients through this labyrinth, I've seen how the right decision can add tens of thousands of dollars to your lifetime income, while a...

"What is a good monthly retirement income" or "How much do I need to retire?" – these are questions, often clouded with uncertainty, that loom large in the minds of many pre-retirees and recent retirees. You've likely arrived here seeking a precise figure, a definitive dollar amount for...

As a financial planner for nearly 3 decades, I’ve seen how crucial a Social Security check is to a retiree's budget. Knowing exactly when that payment will arrive isn't just a convenience. It's the key to financial stability. The official Social Security payment schedule can be confusing, but my goal is to...