How to turn what you’ve saved into income you can trust.
A practical guide for pre-retirees and recent retirees with $2M–$10M portfolios — the people who’ve already done the hard work of saving, and now need a coordinated plan for spending, taxes, and portfolio structure.
The guide is written for households between age 55 and 75, sitting on portfolios they took 30 years to build, and asking the question the brokerage statement never answers: now what?
You’ve got a date in mind. The portfolio is large enough. The question is whether the spending side has been engineered with the same care the saving side was.
Year one or year three. You’ve switched from contributing to withdrawing — and the rules of the game have changed in ways most plans don’t address.
Big enough that the tax decisions move real money. Not so big that the conversation is about preservation alone. The coordination problem matters most in this range.
Each pillar gets its own section in the guide — with specific frameworks, real-world numbers, and the decisions most retirees miss.
A spending system with guardrails — not a fixed-percentage rule. Plus how a 12–24 month cash runway gives you the predictability of a paycheck without locking your money away.
The highest-leverage piece most people ignore. The corridor between retirement and RMDs, Roth conversion math at high net worth, IRMAA coordination, and the two tax problems almost no one addresses.
The portfolio that grew the wealth is not necessarily the portfolio that should fund the retirement. Why sequence-of-returns risk reshapes design — and what a distribution-focused portfolio actually looks like.
Most readers download the guide and sit with it for a few weeks. Some skip straight to the conversation. Either is a reasonable next step.
