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Distribution Planning

You have worked very hard and been disciplined in your savings approach. Now how do you efficiently start spending the money you have saved? This process is not only financial but emotional. We address withdrawal needs, a sensible income stream designed to last you to and through your goals, and a volatility plan that will help you stay on your path throughout all market cycles. We guide our clients through the critical steps of establishing a withdrawal order for tax optimization and asset allocation designed for short and long term goals.

Common themes in distribution planning:

  • Income flows needed to cover gaps between social security, pensions, rental income, other fixed income sources

  • Special event planning (wedding, travel, anniversary, gifting, education)

  • Flexible spending ranges as compared with different risk taking levels (i.e. how much more risk would I need to take on to be able to sensibly use more money?)