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
- Virtual anywhere in the US. In-person in the Houston area upon request.
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, Attorney, and 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.