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Retirement Planning for Independent Women and Couples
For those approaching retirement who want their investments, taxes and retirement income working together to support the life they’ve spent decades building.
Sustain Your Wealth
Live Your Story
As retirement approaches, your financial priorities begin to shift. The focus moves from building wealth to turning your savings into reliable income that can support your lifestyle for the years ahead. Decisions about Social Security, investment withdrawals, taxes and healthcare should reflect what matters most to you, not just follow generic guidelines you might find online.
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Many people reach this stage with strong savings but want clarity about how everything fits together and how to turn those assets into a sustainable retirement plan.
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The Sustain Your Wealth Plan helps bring these decisions together into a coordinated strategy so your investments, retirement income and tax planning work together to support your next chapter.
Retirement Planning Topics We Cover Together
Life-focused, comprehensive retirement planning is tailored to your values, goals and lifestyle.
Social Security Benefits
Timing
When to claim Social Security for the highest lifetime benefit based on your goals, taxes and longevity.
Reducing Current & Future Taxes
Explore tax-smart strategies like Roth conversions, account drawdown planning, gifting and charitable giving.
Rebuilding After Widowhood
Help navigating the financial and emotional challenges of loss with compassionate guidance.
Retirement Plan Tracking and Adjustments
Monitor your savings, withdrawals, and portfolio over time—adjusting as the market and your life evolve.
Charitable Giving Strategies
Align giving and maximize tax benefits with donor-advised funds or qualified charitable distributions.
Health and Long Term Care Planning
Prepare for healthcare costs in retirement and explore long-term care options that protect your lifestyle and your loved ones.
Investment Analysis & Management
Align investments with your risk comfort, income needs and long-term retirement goals.
Retirement Income Planning
Coordinate income from Social Security, pensions, IRAs and brokerage accounts with a focus on tax optimization.
Insurance and Estate Planning
Review your coverage, documents and legacy goals to protect what you've built and ensure your wishes are honored.
If you’re daydreaming about slowing down, you may find it helpful to explore a few of the retirement topics I’ve written about on my blog, such as Medicare enrollment decisions and Roth conversions in early retirement.
Who the Sustain Your Wealth Plan Is For
Life Story Financial’s Sustain Your Wealth Plan is a great fit if you:
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✔ Are within five years of retirement or already retired with $750k+ in retirement savings.
✔ Want a clear plan for turning your hard-earned savings into reliable retirement income.
✔ Prefer coordinated financial oversight instead of managing investments, taxes and withdrawals on your own.
✔ Want a thoughtful strategy for withdrawing from your retirement accounts in a tax-efficient manner.
✔ Value working with a fee-only advisor who helps you make informed financial decisions.
How the Sustain Your Wealth Plan Works
You’ll receive a retirement income plan that coordinates your investments, Social Security, pensions and savings so everything works together to support your retirement lifestyle.
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Once retirement begins, your portfolio is managed with a thoughtful allocation and tax-aware withdrawal strategy designed around your income needs and long-term goals.
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Pricing
You pay a percentage of assets under management (AUM). No commissions. No product sales.
✔ Investment management fees range from 0.50% to 1.00% of assets managed.