RETIREMENT INCOME PLANNING IN MARYLAND
Financial Guidance for Retirement
Retirement is not a finish line. It is a transition that requires sound judgment, thoughtful planning, and ongoing guidance. We work with retirees who want confidence that their financial decisions support the life they’ve worked hard to build.
Common Planning Areas
Coordinating retirement income and withdrawals
Managing investment risk and cash flow
Tax-efficient income planning
Tax reduction strategies
Social Security and pension decisions
Long-term planning and legacy considerations
Our role is to help you move forward with discipline and perspective, so financial decisions feel intentional rather than reactive. The goal is not simply security, but the confidence to enjoy retirement on your terms.
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The 4% rule is a generic guideline suggesting you can withdraw 4% of your portfolio annually. However, in modern markets with varying inflation, we prefer "Dynamic Guardrails." This strategy adjusts your spending slightly based on market performance, allowing for higher income in good years and protection in bad years.
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The years between retiring and claiming Social Security (or RMDs at age 73*) are a "Tax Valley", a period of artificially low income. Depending on your individual circumstances, we potentially use this window to convert pre-tax IRA money to tax-free Roth money at a lower tax rate. This strategy may save you significant taxes over your lifetime.
*If you were born between 1951 through 1959, your RMD age is 73, if you were born in 1960 or later, your RMD age will be 75