Retirement Planning
Withdrawal sequencing, Social Security timing, and IRA or 401(k) rollovers modelled so you know what an early retirement really requires.
Retirement is a sequence of choices, not a date.
The hard part is not reaching a number. It is deciding, year by year, which account to draw from, when to claim benefits, and how to cover the years before Medicare begins.
Six decisions shape most of what you keep.
Withdrawal sequencing
Which account funds each year of spending. Drawing in the wrong order can cost years of portfolio life without changing your lifestyle at all.
Social Security timing
Claiming at 62, at full retirement age, or at 70 changes lifetime income substantially, and the right answer depends on your other assets and your spouse.
The healthcare bridge
Covering the gap between leaving work and turning 65, including how income choices affect marketplace subsidies.
Required distributions
Modelling RMDs before they arrive, so the tax bill at 73 is not larger than it needed to be.
Pension and annuity elections
Lump sum against lifetime income, survivor options, and inflation terms. These decisions are usually irreversible.
Bracket management in retirement
Filling low-tax years deliberately with conversions or realised gains, rather than leaving them unused.
The ten years around your last day at work.
Most retirement outcomes are set in this window, not in your thirties.
Five years before and five years after you stop working is when the portfolio is largest, the decisions are least reversible, and a poor market sequence does the most damage.
It is also the only window where you have real control over your taxable income. Wages have stopped, Social Security has not started, and required distributions are still years away.
We plan that window explicitly: what you spend, where it comes from, and which years to use for conversions before the brackets tighten again.
The questions a projection has to answer.
A single average return is not a plan. Each of these is tested against real market history, including the bad decades.
Can I stop working when I want to?
What the current savings rate and portfolio support, and what would have to change to move the date earlier.
How much can I safely spend?
A sustainable withdrawal range for your allocation and time horizon, revisited annually rather than fixed once.
What happens if markets fall early?
The same plan run through poor opening decades, so you know the range and not just the average.
What if one of us needs care?
The cost of extended care modelled against assets, insurance, and the surviving spouse’s income.
Your retirement accounts, actively managed.
Retirement assets are often the largest holding and the least attended. We manage them alongside everything else rather than leaving them on their original default.
Employer plans
401(k), 403(b), and 457 accounts monitored, allocated, and rebalanced within the options your plan offers.
Rollovers and IRAs
Traditional, Roth, and inherited IRAs, including rollover decisions when you change employers or retire.
Self-employed plans
Solo 401(k) and SEP accounts set up and managed for business owners and independent professionals.
Grass Capital LLC is a Registered Investment Adviser. Projections are estimates based on stated assumptions and are not guarantees of future results.
Schedule your call.
Tell us a little about your situation and we will come back to you with a time. Thirty minutes, no cost, no obligation.