Retirement Isn’t Just About Saving and Investing

If you’re like many people approaching retirement, one of the biggest questions on your mind is:

“How do I turn my nest egg into income I won’t outlive?”

After decades of diligently saving in your 401(k)s, IRAs, and brokerage accounts, it’s time to shift gears. Now, the focus changes to how you withdraw from your nest egg - and that’s where things get complicated.

Because it’s not just about what you’ve saved - It’s about how you spend it.

Without a solid retirement withdrawal strategy, you could:

• Run out of money sooner than expected

• Overpay in taxes

• Miss the chance to optimize Social Security or avoid Medicare surcharges

A smart retirement income plan includes:

 ✅ When to withdraw from taxable, pre-tax, and Roth accounts

 ✅ Planning around Required Minimum Distributions (RMDs)

 ✅ Timing your Social Security benefits strategically

 ✅ Managing tax brackets (now and in the future)

 ✅ Avoiding IRMAA surcharges on Medicare

 ✅ Identifying opportunities for Roth conversions

With the right plan, you can enjoy retirement with more confidence, knowing your money will last and support the lifestyle you’ve worked so hard for.

📅 If you’re over the age of 50 and are starting to think seriously about retirement, let’s talk about building a tax-smart, sustainable income strategy that fits your life.