Financial Planning for Retirees
Managing the money you’ve already saved, so it lasts and does what you want it to do.
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Retirement changes what your money needs to do.
During your working years, the goal was growth. Now, the goal is making sure your accounts can fund your life reliably, adjust for the unexpected, and eventually pass on the way you intend.
That shift touches almost everything: how your portfolio is positioned, how and when you withdraw, what you owe in taxes, and how your estate plan holds up. We help retirees manage it all as one coordinated plan, not a set of separate decisions made in isolation.
What We Help Retirees Manage
Income distribution.
A clear plan for which accounts you draw from, in what order, and how much, so your income feels steady even though the market isn’t.
Required minimum distributions.
Once you reach age 73, the IRS requires withdrawals from most retirement accounts. We plan around that requirement well before it arrives, so it doesn’t create a tax surprise.
Tax-efficient withdrawals.
Coordinating traditional, Roth, and taxable accounts to manage your tax bracket year over year, not just in the year you retire.
Healthcare and Medicare costs.
Costs tend to rise faster than general inflation, and we build that into your plan rather than assuming today’s numbers hold for the next twenty or thirty years.
Portfolio management for the distribution phase.
Your investments still need to grow, but they also need to support withdrawals without taking on more risk than your plan calls for. We manage that balance directly.
Estate and legacy planning.
We want you in control of the legacy you leave behind, and we help you structure it to avoid probate whenever possible.
Stress-Testing Your Plan Over Time
A retirement plan isn’t something you build once. Markets move, healthcare costs change, tax law shifts, and your own goals evolve. We revisit your plan regularly and stress-test it against a market downturn, a longer-than-expected lifespan, and rising costs, so you always know where you stand, not just where you stood the day the plan was built.
Markets move
Healthcare costs change
Tax law shifts
Your goals evolve
The day the plan was builtReviewReviewReviewWhere you stand today
Each review stress-tests against
- A market downturn
- A longer-than-expected lifespan
- Rising costs
- New regulations
Our Approach
As fiduciaries, we’re legally obligated to act in your best interest at all times, and we keep our own assets invested alongside our clients’, so we have a direct stake in the same outcomes you do. We favor low-cost, transparent holdings over structured products with hidden fees, giving you more direct ownership and control over what you hold.
A fiduciary at all times
Our assets invested alongside yours
Low-cost, transparent holdings
Common questions
Retiree Financial Planning FAQs
Straight answers to the questions retirees ask us most about income, taxes, and what comes next.
Got more questions?
Ask us anythingHow much can I safely withdraw from my portfolio each year?
No single safe percentage applies to everyone. What’s sustainable depends on your age, how long your money needs to last, your other income, and how much flexibility you have to adjust spending. We model a range specific to your situation rather than applying a flat rule.
What are required minimum distributions, and when do they start?
Required minimum distributions, or RMDs, are IRS-mandated withdrawals from most retirement accounts, generally starting at age 73. Missing one can trigger a significant penalty, so we plan for these well in advance.
How do I manage taxes once I’m retired?
By coordinating withdrawals across traditional, Roth, and taxable accounts to manage your tax bracket year by year, rather than treating each account as a separate decision. This can also involve strategies like Roth conversions in lower-income years.
Will my portfolio still grow once I’m retired?
It can, though the goal shifts from pure growth to supporting your income needs without taking on more risk than necessary. We manage your portfolio to reflect that balance.
How do you help with estate planning?
We help you understand the critical elements of your estate plan and coordinate with your attorney to keep your accounts, beneficiaries, and coordinate with your attorney to make sure your estate plan, beneficiaries, and accounts work together as intended.
What if my spending needs change after I retire?
That’s expected, and it’s part of why we revisit your plan on an ongoing basis rather than setting it once. Health changes, family needs, and personal goals can all shift your plan, and we adjust with you.
Words from Our Clients
Independent Google reviews from those who trust us with their financial future.
“Alano has been managing my now quite sizeable Schwab rollover IRA and revocable trust accounts for 11 years. I’ve left practically all investment choices to him. The funds have grown substantially under his guidance. He and his staff have always been available and responsive to any requests I have for documents or explanations.”
— Donald S.
This is an unpaid solicited client testimonial. The client has had a financial relationship with Alano Massi for over 10 years and is providing his opinion. A client testimonial does not guarantee future investment success and should not be that any client or prospective client will experience a higher level of investment performance. This may present a conflict of interest as this particular client’s experience may or may not be the same as another client’s experience.
“I have worked with Alano Massi for several years and it has been an exceptional experience. Alano is very professional and knowledgeable, and he always makes time to understand my specific goals. Alano and his staff provide prompt and friendly communication, always available to answer my questions and ease my concerns.”
— Sarah C.
This is an unpaid solicited client testimonial. The client has had a financial relationship with Alano Massi for over 7 years and is providing her opinion. A client testimonial does not guarantee future investment success and should not be that any client or prospective client will experience a higher level of investment performance. This may present a conflict of interest as this particular client’s experience may or may not be the same as another client’s experience.
Financial Resources for Retirees
Let’s Make Sure Your Retirement Works the Way You Planned It
Schedule a complimentary consultation to talk through where you stand and where your plan may need adjusting.