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Build the retirement income map
We map Social Security, pensions, portfolio withdrawals, cash reserves, deferred compensation, business proceeds, and other income sources into one clear retirement paycheck.
Retirement Planning
Build the life
your savings are
meant to fund.
The hardest retirement question is rarely just whether the money lasts. It is how the paycheck, calendar, role, household rhythm, and sense of usefulness change when work no longer organizes the day.
When retirement planning matters
Retirement planning aligns income, taxes, health care, portfolio withdrawals, and daily structure so your next chapter is funded, coherent, and livable.
01
Five years out
The timing decisions are close enough to matter: Social Security, pension elections, Roth conversions, health coverage, portfolio risk, and the first version of retirement income.
02
The paycheck is ending
Savings have to become a system. The plan needs to show where income comes from, what gets spent first, and how the portfolio responds when markets do not cooperate.
03
The first year is visible
The calendar starts to matter as much as the account balance. Retirement needs roles, routines, relationships, and commitments that make the new freedom usable.
How can we help?
FAQs
Five to ten years before retirement is the highest-leverage window, but the work can begin earlier or later. That window is when Social Security timing, pension choices, Roth conversions, portfolio risk, health coverage, and spending expectations can still be shaped deliberately.
Retirement changes more than income.
A strong retirement plan should answer the financial questions clearly: when income starts, how withdrawals work, what taxes change, how health care is covered, and what happens if markets fall early.
It should also answer the human questions. What will organize your week? Where will contribution come from? What changes for your spouse, family, business, or household? The Third Act check looks at both sides before the transition arrives.
Security Floor × Eudaimonic Ceiling
Third Act Readiness
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Generative Legacy
I am actively passing on knowledge, values, or skills that will outlive me.
Strongly DisagreeNeutralStrongly Agree
For New Clients
Schedule a chat.
We created Human Wealth™ to gain a whole understanding of our clients. A composition of how it feels to be human, and what it takes to experience health, happiness, and connection.
David Coles — Co-Founder, Human Wealth™
More ways we help
Estate Planning
The architecture of what happens next: to your assets, your family, and your intentions. Whether or not you are there to direct it.
Cash Flow
The regulatory system of daily liquidity, designed so your life runs whether you are watching it or not, and so transitions do not require decisions under pressure.
Tax Planning
The optimization of what you keep. Not a single-year exercise, but a multi-decade strategy that anticipates how transitions change the tax picture before they arrive.
Risk Mitigation
The floor under everything else: the insurance architecture and legal structures that give you the stability to make decisions from strength rather than scramble from exposure.
Investment Management
The portfolio is the instrument, not the plan. We position it to serve your transitions, liquidity needs, and tax architecture — not the other way around.
Retirement Planning
The retirement income map and first-year life structure: Social Security, withdrawals, taxes, and the calendar planned together, not separately.
Business Planning
The alignment between the business and the household: ownership, income, risk, succession, and exit planned as one system, not two.
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