Tier 02 of our planning relationship
New Horizon Planning
We’ve retired the word retirement. What comes next is a beginning — and it deserves a plan built for it.
Retirement suggests stopping. Stepping back. Wrapping up. For most of the people we work with, that couldn't be further from the truth.
You’re not ending — you’re transitioning into more time, more freedom, and more opportunity to do the things that matter most. The plan should reflect that. Not a spreadsheet that runs out the clock, but a structure that funds a life you’re actively choosing.
The most critical period in your financial life isn’t the day you retire. It’s the five years before and the five years after. How you transition your income, structure your assets, manage taxes, and prepare your family sets the tone for everything that follows.
The decade that decides it
Five years before. Five years after.
The five years before
- Deciding what “enough” is, in numbers and in life
- Positioning accounts for the tax years ahead, not behind
- Roth conversion windows and bracket management
- Testing the plan against a bad first year, on purpose
The five years after
- Turning a portfolio into a paycheck you can count on
- Health coverage, Medicare timing, and the gap in between
- Social Security claiming as a planning decision, not a default
- Keeping the plan current as the life around it changes
The decade that decides it
- When is the right time — and what does “right” even mean for you?
- How do you structure income so you have what you need, when you need it?
- How do you preserve wealth across the transition while still living abundantly?
- How do you move from accumulation to distribution without losing momentum?
- What happens to your health insurance, benefits, and tax situation?
- What does the first chapter actually look like — and how do you fund it?
The greatest risk in your New Horizon isn’t running out of money. It’s running out of intention. We help you keep both.
What the work includes
A transition plan, not a finish line.
- Income structuring and withdrawal sequencing
- Tax planning across the transition years
- Social Security and pension election analysis
- Health insurance bridge and Medicare coordination
- Portfolio repositioning for distribution
- Family preparation and estate document review