Our Services

Tax-Aware Withdrawals

Minimizing fees and taxes is what makes you wealthy.

What's Included

What tax-aware withdrawals cover.

Coordinated withdrawals across taxable, tax-deferred and Roth accounts, Roth conversion windows, and pension-aware bracket management — the tricks wealthy families use, applied to your plan.

Reviewing withdrawal paperwork

Withdrawal sequencing

We coordinate what comes out of taxable, tax-deferred and Roth accounts each year, and in what order.

Roth conversion analysis

We look for the years when converting part of a traditional account may make sense, and the years when it doesn't.

Bracket and IRMAA management

Pension and Social Security income can push you into a higher bracket or a Medicare premium surcharge. We plan withdrawals with those thresholds in view.

Charitable donation strategies

If giving is part of your plan, we look at tax-efficient ways to do it, such as qualified charitable distributions or gifting appreciated shares.

Coordination with your CPA

We work alongside your CPA or tax preparer so the plan and the return line up.

How We Work

A calm, four-step path to a plan.

01

Listen

A no-cost conversation about where you are, what you're worried about, and what a good retirement looks like to you.

02

Plan

We model your income, taxes and risk, then walk you through a plan you can actually understand and adjust.

03

Implement

Accounts open at Charles Schwab in your name; we build and fund the portfolio around your plan.

04

Steward

Ongoing management, rebalancing and check-ins — proactive when markets or your life change.

Let's talk about your retirement.

A first conversation is free, unhurried, and comes with no obligation. Bring your questions.