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Your Savings Built Your Success. Now They Should Fund Your Freedom.

You spent decades building your wealth. Now it is time for a structured retirement income plan designed to turn those savings into reliable, tax-efficient income for life. Less fear. More clarity. A retirement you look forward to.

Retirement Income Strategies
Built for the Risks Retirees Actually Face

If you are within 10 years before or after retirement, multiple strategies are required to protect what you've built and generate income you cannot outlive. To do that, you must successfully address risks such as: Longevity, Inflation, Market, Sequence of Return, Taxation, Fees, Healthcare Costs and Long-Term Care Exposure.  This is where the specialized training of a Retirement Income Certified Professional (RICP®) can help.


Your Experience
Retirement Strategy Customized For You

Before any strategy is recommended, you are heard. Your goals, your concerns, what keeps you up at night, and the retirement you envision all come first. We use a structured process to:

Assess and quantify your risk style and risk tolerance

Identify your essential and discretionary income needs

Conduct both a gap analysis and risk analysis

Close the gap with secure, reliable income you can't outlive

The process results in a personalized strategy designed in alignment with your stated goals and quantified comfort level.

Your Customized Strategy
Strategies Designed Around Your Goals

Every retirement is different. The risks you face, the income you need, and the legacy you want to leave are personal to you. Here is how your customized strategy can address what matters to you.


Secure Income That Lasts a Lifetime

Your income needs, sources, and gaps are analyzed to build a layered income strategy designed to cover your essential expenses and support the lifestyle you have earned. No guesswork. No gaps. With risk adjusted growth intended to cover your discretionary spending.


Keep More of What You Have Earned

Taxes are one of the biggest threats to your retirement savings. Your income strategy will explore tax and IRMAA bracket management strategies designed to help you keep more of every dollar working for you instead of Uncle Sam. 


Take Control of Your Tax Future

The timing of social security and pension benefit claiming, withdrawals, roth conversions and income sources can all affect not just how much you earn, but more importantly, how much you keep. 


Maximize Your Social Security and Pension Benefits

When you claim, how you claim, and how your spousal and survivor benefits are coordinated shapes your retirement income for decades. Multiple scenarios  are analyzed so you make the most informed decision.


Protect Your Savings from Market Uncertainty

Market downturns can be devastating in retirement. Your strategy includes stress-testing approaches, including equity glide path and guardrail modeling designed to help protect your portfolio from the sequence of return risk.


Plan for Rising Health Care Costs

Health care is one of the largest and least predictable expenses in retirement. we will explore cost projections, long-term care solutions, and strategies to reduce IRMAA surcharges to help control their impact your spendable income.

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About Retirement Income Solutions Group
YOUR GOALS, OUR FOCUS

This practice was founded with a single focus: helping retirees convert decades of savings into a structured, reliable retirement income stream.

In addition to having earned the RICP®, NSSA®, and IRMAACP™ designations specifically to help retirees maximize their retirement income, we also utilize a structured process to help quantify risk, risk tolerance, clarify financial goals and identify strategies designed to provide more secure income and peace of mind.  To facilitate this process, we utilize three risk assessment tools and three well respected retirement-focused analytical software platforms to guide us in creating your customized retirement income strategy. We call this our RISG Income System. The resulting  insights and clarity can help you retire more confidently. 

Your retirement income strategy is customized to your goals, your risk tolerance, and your comfort level. Our goal is to increase your spendable income, your peace of mind and to enhance your retirement experience.

1. Discover
Understand Your Full Picture

The process begins with a conversation about your goals, priorities, concerns, and vision for retirement. Your financial picture is clarified, your risk profile is assessed, and essential details are gathered to build a strategy that reflects what matters to you. A complimentary pre-discovery kit is provided, completed by you and reviewed by us prior to your discovery session to facilitate an insightful and meaningful experience for you.  

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2. Design
Your Customized Strategy 

Using multiple specialized retirement income modeling tools, knowledge and experience, several alternative strategic approaches are developed in alignment with your income goals and quantified comfort level which are then discussed so you can select the strategy that fits your desired comfort level.

3. Implement 
Your Retirement Paycheck System

With your new found clarity and confidence resulting from your customized strategy, we help you strategically implement your personalized retirement income paycheck system. 

How to Get Started
A Proven Framework for Your Retirement

A successful retirement strategy does not happen by chance. Here is the disciplined process to support desired goal achievement.

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PRE-DISCOVERY MEETING KIT
 
Understanding Your Risk Profile And Accurate Financial Picture

Before a single strategy is recommended, your risk profile is thoroughly assessed using three specialized instruments. Together, they provide a complete picture of your risk style, tolerance, and portfolio alignment. Additionally, accurately assessing your financial picture, your needs, and your goals is critical to a successful retirement strategy.

This complimentary pre-discovery meeting kit is provided for your completion and our review before your first session. The more complete your input, the more precise and personalized your retirement discovery session will be.

Click & complete each box below to maximize your discovery experience: 


 

Quick Questionnaire

Your input will assist me in gaining important insight into your current situation.

With that insight, our meeting can be more personalized to your circumstances. 

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Financial Concerns and Desired Analytical Reports

This is your opportunity to express your concerns and to specify which analytical reports you might like to receive to gain clarity and confidence throughout your retirement.

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List of Goals

Your goals are our focus. Documenting and ranking what matters most to you helps to ensure that  the strategies built on your behalf reflect your priorities, goals and aspirations.

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Dynamic Fact Finder

This is your essential financial data which will serve as the foundational input for all of our analytical tools, output and recommendations.  

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Risk & Income Style Assessment

A psychology-backed profile that identifies your preferred approach to risk and funding retirement. It evaluates your preferences across safety vs. flexibility and commitment vs. optionality to place you in one of four distinct retirement income styles.

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Risk Tolerance Scoring & Portfolio Alignment

An integrated assessment that reflects how your risk tolerance (willingness to take risk) compares with your current risk exposure. This identifies gaps that you may want to close for more comfortable risk alignment and peace of mind.

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Risk Assessment & Portolio Alignment

An 11-question interactive tool that evaluates your personal risk tolerance for retirement planning. It classifies your investments into color-coded categories based on safety and growth potential so your assets can be better aligned with your comfort level.

Start Assessment

Schedule Your Complimentary Consultation

Looking forward to speaking with you, learning more about you, and sharing our insights.

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Get Started
Ready to Take the Next Step?

If you are looking for a structured, research-driven approach to your retirement income, the conversation starts here. Let’s talk about your goals.

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