About the service
This service is the foundation of your retirement vision. We meticulously plan how your assets will convert into paychecks, prioritizing income stability and security above all else.
The Challenge of Income Distribution
For many, retirement planning focuses solely on accumulation. However, the decumulation phase—how you draw down your savings—is vastly more complex. Drawing too much too early, or poorly sequencing withdrawals, can deplete capital prematurely. Our Sustainable Income Stream Design service is built specifically to mitigate these risks. We provide a clear, actionable blueprint for converting your nest egg into a reliable, generational income source.
Key Components of Our Design
Our approach is holistic, covering all potential income sources and withdrawal constraints. We help you sequence distributions to maintain capital stability and minimize tax liabilities.
- Tax-Efficient Withdrawal Sequencing:
- Determining the optimal order of drawing funds from different accounts (taxable, tax-deferred, tax-free).
- Strategies to manage Required Minimum Distributions (RMDs) to avoid penalties.
- Utilizing lower tax bracket years strategically.
- Capital Preservation Models:
- Implementing a "bucket strategy" to segment assets based on short-term needs (0-5 years), mid-term security (5-10 years), and long-term growth (10+ years).
- Stress-testing your portfolio against historical economic downturns to ensure resilience.
- Inflation and Healthcare Adjustments:
- Building in inflation-adjusted increases to your annual income targets to maintain purchasing power.
- Factoring in escalating long-term care and healthcare costs into the design phase.
Annuities and Guaranteed Income
While diversification is crucial, guaranteed income provides peace of mind. We analyze your situation to determine if and how annuities can fortify your plan without sacrificing flexibility.
- Analysis of Income Gaps: Identifying the difference between your guaranteed income sources (Social Security, pensions) and your desired retirement spending.
- Strategic Annuity Integration: Reviewing fixed, indexed, and variable annuities to find products that specifically close income gaps and provide a protected income floor.
- Understanding Lifetime Income Riders: Education on riders that guarantee income payments for life, protecting you from longevity risk.
The Clear Vision Output
The output of this service is not just a spreadsheet; it is a personalized, easy-to-understand Income Blueprint. This blueprint details monthly cash flow, projected portfolio lifespan, and clear instructions on which accounts to draw from and when. This ensures you move into retirement with lasting clarity and confidence.
