Turn a lifetime of saving into a paycheck you can count on.
In short
Retirement income planning is the process of converting savings, like 401(k)s, IRAs, and investments, into steady, tax-efficient income that lasts. It coordinates withdrawal order, Social Security timing, and required distributions so your money supports your lifestyle for as long as you need it.
For thirty years the job was to save. Then one day it flips, and the question becomes: how do I turn this pile of accounts into a paycheck that shows up every month and doesn't run out?
That switch trips up more people than the saving ever did. We build the income side of your plan: how much you can safely spend, where each dollar comes from, and how to keep taxes low while you do it. Retirement should feel less like watching a balance and more like living.
What this looks like
How we put it to work
A spending number you trust
We pressure-test how much you can draw each year against market downturns and a long retirement, so the figure holds up in bad years, not just good ones.
A withdrawal paycheck
We decide which accounts fund your income each year, across taxable, tax-deferred, and Roth, in the order that keeps lifetime taxes lowest.
Social Security timing
Claiming age can be worth tens of thousands over a retirement. We coordinate it with the rest of your income instead of guessing.
Sequence-of-returns risk
A bad market in your first retirement years is far more dangerous than one later. We structure income to guard against that.
The Alo difference
Income and taxes planned as one system, because the advisor building your paycheck also understands the tax code behind it.
There's no single magic percentage. Your safe number depends on your mix of accounts, your Social Security, your time horizon, and how much flexibility you have in a down year. We model your specific situation rather than applying a rule of thumb, and we revisit it as things change.
