Retirement today looks nothing like it did a generation ago. If you think retirement means collecting a pension, settling into a quiet routine, and living off Social Security, think again. The landscape of retirement has changed dramatically, and today’s retirees face both new challenges and exciting opportunities.

Retirement planning is challenging for everyone, but for professionals in the San Francisco Bay Area, it comes with unique hurdles—sky-high living costs, unpredictable stock compensation, and heavy tax burdens.

When it comes to planning for a successful retirement, it’s important to balance a few key factors: determining whether you're saving enough, finding a sensible spending strategy, figuring out a flexible withdrawal rate that works long-term, making sure your withdrawals are tax-efficient, and leveraging your company stock options.  

Getting these right is crucial to setting yourself up for success. Is your retirement plan ready for the new reality?
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1) How Much Can You Spend In Retirement?

First we'll get a basic idea of what you might be able to spend in retirement.
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Retirees rarely run out of money.
Instead, they adjust over time, spending more when they can and less when they must.

The questions we answer are: how likely is it that you will need to take a pay cut; how large might that be; when might that occur; and how long might that last?
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2) Explore Your Options

Next we will explore some options for your specific goals and tax-optimization.

Deciding how to best source portfolio withdrawals involves accounting for a full range of tax effects and a wide range of withdrawal strategies as they apply to each client's unique situation.

We will help you to evaluate the tax consequences of strategies like tax bracket management and tax-ordering. Taking into account all planed cash flows (Social Security, Rental Income, Dividends, Portfolio Withdrawals, etc.) and their differential tax treatment.

3) Choose A Plan

Together, we'll pick a plan to follow and get started.

We'll determine the optimal Social Security claiming strategy, Medicare/Healthcare option, and incorporate economic and market conditions and forecasts.

4) Monitor Plan & Adjust As Needed

We will monitor the plan regularly and let you know when a change is required or looks likely.
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Retirement planning is not a one-time event. Dynamic planning requires ongoing plan monitoring. We provide continuous fiduciary ready plan oversight. You can rest assured that your plan is being actively monitored.