Retirement Planning
A clear picture of the years ahead.
Retirement planning at Serein brings decades of building into a plan for the years ahead, helping you make informed decisions about how to use your wealth and pursue the retirement you envision.
Income by design, reviewed year after year.
A thoughtful strategy for reliable, sustainable income
Every year funded on purpose.
We match your spending to its sources: portfolio withdrawals, business or real estate income, and the timing of the benefits you have earned. Then we set the order you draw from them, so each year of retirement is funded deliberately rather than by habit.
THE LONG VIEW
Planned for a long life, and a few hard years.
Retirement brings uncertainties worth planning for: market conditions early in retirement, rising healthcare and long-term care costs, and the possibility of living longer than expected.
We address these risks early and incorporate them into the plan.
Early market volatility considered, not ignored
Healthcare and long-term care costs planned for in advance
A strategy built with changing markets and longevity in mind
Insurance and protection reviewed as part of the plan.
The risks that matter most, met early.
TAXES
A multi-year tax plan, not a yearly bill.
Which accounts to draw from first, when a conversion makes sense, and how required distributions will land years from now. The choices made in the first years of retirement shape the tax bill for the decades that follow, so we make them with the whole horizon in view and coordinate each one with your CPA.
Withdrawal order chosen for lifetime taxes
Conversions modeled before they are made
Required distributions planned years ahead
Every move coordinated with your CPA
What you keep matters more than what you earn.
WHEN TO BEGIN
The best years to plan are the ones before.
Planning opportunities may be available while you are still working, including tax positioning, reducing concentrated positions, and deciding when work become optional.
Once you retire, the plan keeps working and evolving. Income is reviewed, withdrawals are managed, and everything is revisited at every annual review and quarterly check-in.
The runway years used for the moves that compound
Work-optional years planned for flexibility
Reviews that continue long after the last paycheck
Five to ten years out, and every year after.
Frequently Asked Questions
Asked often,
answered plainly.
When should retirement planning start?
Ideally, retirement planning begins five to ten years before you expect to step back, when there is still time to evaluate different strategies and make thoughtful adjustments. But there is no wrong time to begin. Every year of planning can provide more information, flexibility, and context for the decisions ahead.
How much do we need to retire comfortably?
There is no universal number, only yours. We model your actual spending, goals, and sources of income, then evaluate how the plan may hold up across different market and longevity scenarios. The goal is a clearer understanding of what your resources may support and the choices available to you.
We are already retired. Is it too late?
Not at all. Withdrawal order, tax positioning, income design, and estate intentions continue to matter after the last paycheck. Thoughtful decisions around each can shape how your wealth is used, managed, and transferred over time.
What happens to the plan once we retire?
Your retirement plan should evolve with you. We review income needs, consider withdrawal strategies with taxes in mind, and stay connected through annual reviews, quarterly check-ins, and changes that may affect your financial picture.