It was important to keep this process easy, transparent and stress-free.

The first step was reviewing Jim and Laurie’s tax return to avoid any surprise tax bills.

By working together with Jim and Laurie’s professionals, the process began:

• Gathered all company benefit information (401k, pension, healthcare, stock)
• Summarized all Social Security Break-even ages along with tax ramifications of IRA withdrawals
• Reviewed Retirement/Investment account beneficiaries and allocations
• Determined appropriate sequence of specific account withdrawals to minimize tax burden

By seeing and understanding all of the options without a product pitch, we created a new level of confidence.  They were able to establish a spending plan that aligned with their desired lifestyle.

Objective, Fiduciary, tax-minded advice created peace of mind.

The pathways adopted by Jim and Laurie helped them in several ways:

• They avoided taxation at incrementally higher tax brackets
• Jim’s retirement savings were properly diversified to prevent catastrophic damage to their anticipated lifestyle
• They slept well knowing they had a predictable income stream that they would not outlive

Now, Jim and Laurie are maximizing their days. They travel between their primary residence, mountain home and various European cruises while spending time with their grandchildren.

They have the peace of mind knowing that their financial plan and spending habits will outlast the certainty of uncertainty.

Jim and Laurie’s lifestyle plan is regularly reviewed and pivoted depending on the introduction of new tax laws or IRA changes.