Retirement Income Planning

Once you’re close to retirement or have already retired, determining how to turn your retirement savings into income is crucial. Everyone’s situation is unique, and at HCCM we will guide through your options and customize a retirement income strategy that will balance what you need now and what you’ll need in the future.

We’ll review all of your accounts both at HCCM and elsewhere to identify your potential sources of income which may include existing IRAs, 401ks, pensions, annuities, brokerage accounts and even Social Security benefits. We’ll structure an investment portfolio that will match your needs, wants and goals. In addition, we’ll help you implement a dynamic withdrawal strategy which will allow for adjustments as needed throughout your retirement. Rather than blindly setting a withdrawal rate which can be dangerous in the long term, well advise you when it might be necessary to make adjustments based on market volatility and your spending needs.