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Retirement Income Planning focuses on formulating a distribution strategy of your savings once you retire. This can include:

Discussing your cash flow needs over and above pension, Social Security and other "direct" income sources;
-Modeling "net" income scenarios based upon an after-tax target given varying levels of taxation, inflation and life expectancy;
-Rollover strategies for your employer-based retirement plans;
- Determining the optimal time to take Social Security;
- Determining the best pension payout choices—whether lump sum or life contingent annuity;
- Establishing a retirement monthly payment system to meet fixed expenses;
- Determining your required rate of return in your investment strategy, the corresponding allocation of investments to meet this required return in the context of your tolerance for risk;
-Maximizing the tax efficiency of withdrawals using taxable, tax-deferred and tax-free investment accounts and resources;
- Determining the risk of long-term care needs and if long-term care insurance or other non-traditional options are appropriate;
- Determining if a reverse mortgage is a viable option;
-Helping you ascertain whether you have "never spend it" money and if so, how to most efficiently pass it on to heirs while minimizing taxes and risk.

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Do you know if, on an after tax basis, your sources of retirement income will be enough for you to live on? Would it be helpful to have your entire retirement cash flow "picture" on one page? We have a unique planning software that cuts out the "fluff" of traditional financial plans and just gives you the "money shot" you want to see.

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