Retirement Planning
A plan for the shift from building wealth to living on it, built around what you actually intend to spend.
Why It Matters
Retirement planning at this level is rarely about whether the money lasts. It is about sequencing: which accounts fund which years, what the tax consequence of each withdrawal is, and what happens to the plan if markets are unkind in the first five years.
Those questions have concrete answers. Most people arrive without having been asked them.
What That Looks Like
What the plan has to fund
Spending intentions, obligations, and the commitments you have made to others — stated before the portfolio is designed around them.
Withdrawal sequencing
Which accounts draw first, and what that means for tax and for the assets left to compound.
Sequence-of-returns risk
How the plan behaves if the first years of drawdown are poor ones, and what changes if they are.
Revisited on a schedule
The plan is reviewed as circumstances change, not filed after the first meeting.
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Talk with our team in Detroit, New York, Palm Beach, or the Bahamas about your circumstances and what you need next.