Turning savings into a sustainable paycheck.
The accumulation phase is over. Now the harder work begins: turning a portfolio into a monthly paycheck that lasts 25–35 years through markets, inflation, and unforeseen expenses. I build that paycheck around your actual goals — not a textbook.
At a glance
- Best for
- Within 2 years of retirement or already retired
- Format
- In-person Houston · Virtual where licensed
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, attorney, plan administrator
Situations I see most often.
- You've stopped earning and need to start drawing — and the change feels uncomfortable.
- You hold a mix of taxable, IRA, 401(k), and Roth accounts and don't know what to spend first.
- Required minimum distributions are coming and you want to plan ahead.
- Your spouse handled the finances and the responsibility has shifted.
- You want to know how a 30% market drop in year one would affect your plan.
What the engagement covers.
- Tax-aware withdrawal sequencing across account types.
- Bucket / time-segmented portfolio design.
- Roth conversion strategy in the gap years before RMDs.
- Sequence-of-returns risk analysis.
- Monte Carlo and stress-test projections.
- Beneficiary and estate coordination.
A measured approach, in clear steps.
Income inventory
We list every income stream: Social Security, pension, rental, deferred comp, RMDs. The plan starts from what's already locked in.
Spending baseline
We establish realistic essential and discretionary spending — including healthcare, travel, gifting, and one-time expenses.
Withdrawal design
I model multiple sequencing strategies and show how each affects taxes, longevity, and what's left to heirs.
Implementation & rebalancing cadence
Accounts are positioned, automatic distributions are scheduled, and rebalancing rules are documented.
Annual income review
Each year we revisit the plan against actual returns, spending, and tax-law changes.
Texans retire differently.
No state income tax means more flexibility on Roth conversions and asset location, but federal brackets and IRMAA tiers still bite. Houston-area retirees with deferred comp, NUA-eligible employer stock, or cash-balance pensions face decisions that have to be sequenced carefully — sometimes within months, not years.
Plain-English answers.
What's a 'safe' withdrawal rate?
Should I delay Social Security?
What's a 'bucket' strategy?
When do RMDs start?
Can I keep my existing portfolio?
Recent articles on this topic.
A few plain-English notes that connect to this service. Use them as background before our first conversation, or skip ahead.
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Let's talk about your situation,
not a generic plan.
The first conversation is complimentary — anywhere from 5 to 45 minutes, your call. No pitch, no pressure. We'll cover what you have, what concerns you, and whether working together makes sense.