Planning
Withdrawal sequencing, Social Security timing, and what planning software gets wrong.
Planning
Not a bet on how long you live →
The break-even framing invites the wrong question entirely.
Planning
What planning software gets wrong →
It returns a percentage and the client nods. They were asking something harder.
Planning
Which account to draw first →
Most firms use a rule of thumb, and it is wrong often enough to check every time.
Planning
The window most clients never hear about →
It arrives once, lasts a few years, and closes quietly.
Planning
The years between →
Retire at sixty-two, Medicare at sixty-five. Rarely modeled, often decisive.
Planning
Charitable giving: securities, funds, and QCDs →
Clients who give regularly usually give inefficiently.
Planning
The year before a business sale →
Almost every meaningful decision closes before the transaction does.
Planning
Required distributions: the year clients get wrong →
The first-year deferral almost nobody should take, the aggregation rule where errors happen, the three that get missed, and where the planning actually is.
Questions? Ask them directly — that is what the twenty minutes is for.