Austin helps individuals and couples approaching retirement organize their accounts, evaluate income options, coordinate Social Security and healthcare, plan for taxes, and make informed decisions about the transition from working to retirement.
Bring everything into one place — 401(k)s, IRAs, pensions, taxable accounts, cash, insurance, real estate, debts.
What retirement looks like, when it starts, whether it’s the same date for both spouses.
Fixed costs, discretionary spending, healthcare, one-time expenses. Not a fantasy number — a working number.
Social Security, pensions, part-time income, portfolio withdrawals, rental income, annuities where applicable.
Which accounts to draw from first, how to sequence pretax, Roth, and taxable withdrawals.
Claiming strategy for the household. Medicare timing, IRMAA planning, healthcare before Medicare.
Multi-year tax projections. Roth conversion windows. RMD planning. Coordination with your CPA.
Allocation appropriate for the withdrawal timeline, not just the age.
Bad-market retirement dates, longevity, one spouse living substantially longer, unplanned health costs.
The plan isn’t a document — it’s the running conversation. Life changes, and the plan changes with it.
Thirty minutes. We look at where you are, what you’re trying to accomplish, and whether formal planning would help. An introductory conversation does not create an advisory relationship.