Retirement Income Plans

Retirement (we call it Financial Independence) should be about your interests, your time-well-spent, and your pet projects—not stressing over whether your money will last. You've worked hard to build your savings, but turning that nest egg into a reliable, lifelong income stream? That's a whole different challenge. One so common that a Fidelity study found 1 in 4 pre-retirees (ages 55-65) switched or considered switching advisors when transitioning into retirement—primarily because they wanted specialized retirement income planning.

Why a Retirement Income Plan Matters

One thing you’ll hear the Pointer Creek team repeat is, “what got you here, won’t necessarily get you there.” What’s this old adage we’re barking about? In short, a sequence of returns does not matter in accumulation years, but it matters A LOT, in retirement income years. Click here to see an illustration of what we’re talking about.

A solid retirement income plan means knowing where your money is coming from, understanding how long it will last under various life and economic variables, and how to minimize taxes along the way. Without a plan, you risk:

Outliving your money - Running out of savings before running out of life is not the kind of excitement you need in retirement.
Market-driven anxiety – Relying on investments without a strategy can mean sleepless nights when the market dips.
Overspending (or underspending!) – Without a clear plan, you might spend too much early on or be overly cautious and miss out on enjoying your retirement. Like a good yogi, we help you find your balance!
Higher taxes than necessary – Poor withdrawal strategies can lead to paying more in taxes than you need to.

What We Do

We build customized retirement income strategies designed to provide stability, flexibility, and confidence. Here’s how:

Creating a Sustainable Withdrawal Plan – We determine how much you can safely withdraw each year to maintain your lifestyle without running out of money.
Optimizing Social Security & Pension Benefits – We help you maximize every dollar you’re entitled to, ensuring you get the best long-term payout.
Tax-Efficient Withdrawal Strategies – Withdrawing from the wrong accounts at the wrong time can lead to unnecessary taxes. We make sure you take money the smart way.
Balancing Guaranteed vs. Market-Based Income – We help you determine your optimal mix of guaranteed income to non-guaranteed income.
Managing Required Minimum Distributions (RMDs) – We ensure you take RMDs strategically, minimizing taxes and avoiding penalties.
Healthcare & Long-Term Care Planning – Medical expenses can derail retirement if not planned for. We help you prepare for Medicare, supplemental insurance, and potential long-term care costs.

Let's Get Real About Retirement Income Planning

The key to a worry-free retirement isn’t just having money—it’s knowing exactly how to use it efficiently. Whether retirement is just around the corner or still a few years away, the best time to plan is right now.

Let’s create a strategy that gives you financial confidence and the freedom to enjoy retirement the way you deserve.

Ready to build your retirement income plan? Call us today to get started.