Retirement Income Planning

Most retirement planning in the past occurred in the accumulation stage. Everyone has advice on how to get up the mountain and most advisors still focus on accumulation planning. At DTRT we help you create a retirement income plan to help you come down the mountain. The greatest risk you face when you reach retirement is outliving your money. The distribution planning of your accumulated wealth at retirement may be more important than the planning it took you accumulate your wealth. As you approach retirement questions have to be answered related to how to distribute your income sources. These are some of the most important decisions you will ever make.

In the simplest form we take all your income sources and match them with your expenses. We create an income distribution plan from that information and match your need for income with your risk tolerance. Then create the portfolio to provide the income. Some of your income will come from pensions and social security. The rest will come from the distribution of your saved accumulated retirement assets and other wealth sources. We use different strategies depending on the clients needs.

Our strategies include:

• CD/Bond/Fixed Annuity time weighted income laddering
• Annuitization
• Bucket Approach
• Systematic Withdrawals

Our income distribution software helps us navigate the best income solution for you. We take the time to look at different what-if scenarios. Then create a plan with the highest probability of success. Income distribution planning is considered situation planning and is billed at our negotiable rate of up to $150.00 an hour.