Retirement Planning
The earlier you plan, the more options you have. The later you plan, the narrower the road.
The Life You've Earned
Retirement planning isn't something you start a few years before retirement age. Your Wilco Financial advisor is ready to work with you starting today to build a plan for the future.
And to adjust that plan as your life, your career, and the markets evolve — because they will.
Key questions a retirement plan answers
- Can I retire when I want to? What income does my current trajectory support?
- How much can I spend? Sustainable withdrawal rate modeling given your actual portfolio
- Where do withdrawals come from? Taxable, tax-deferred, Roth — sequence matters
- When should I claim Social Security? 62, 67, 70 — the right answer depends on spouses, health, and other income
- Roth conversions? Evaluating the window between retirement and RMD age
- Medicare and health coverage? Planning for coverage gaps and IRMAA thresholds
- Long-term care? Self-insure, insure, or hybrid
- Legacy? What gets passed on, to whom, and how
What makes retirement planning different
Accumulation (the years you're working and saving) is the easy part. Decumulation — the years you're living off your portfolio — is where most of the complexity and most of the planning value lives. Sequence-of-returns risk, tax diversification, and behavior under market stress all intensify once the paycheck stops.
We model the plan, we stress-test it against history and Monte Carlo scenarios, and we build guardrails so you can spend confidently without constantly wondering whether it'll work.
Special situations
- Business owners — integrating a sale, earnout, or deferred compensation into the plan
- Two-income households — coordinating benefits, Social Security, and spousal strategies
- Early retirees — bridging the gap to Medicare, Rule of 55, 72(t) distributions
Ready to start your journey with Wilco?
It all starts with a conversation.