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After decades of disciplined saving and investing, retirement represents a profound shift—from building wealth to drawing upon it.
During your working years, the objective was straightforward: grow your portfolio while balancing life’s spending needs.
Once you retire, the challenge becomes preserving purchasing power, generating reliable income, and managing taxes—all while sustaining your desired lifestyle and protecting against longevity risk.
Making this transition successfully means understanding how factors like market changes, taxes, inflation, and spending habits work together—and how the right strategy can help your money last throughout retirement.
Market declines early in retirement can have an outsized impact on long-term outcomes. A thoughtful withdrawal strategy carefully manages where and when funds are taken from the portfolio.
With longer life expectancies, retirement may span 25 to 30 years or more. That means your portfolio must work as hard in retirement as it did during your career.
The order in which you draw from taxable, tax-deferred, and tax-free accounts could significantly impact lifetime after-tax income.
Even modest inflation erodes purchasing power over time. Strategies should consider including inflation-sensitive assets and periodic spending adjustments.
Transitioning from saving to spending can be emotionally challenging. Many retirees struggle to feel comfortable drawing down principal, even when the math supports it.
Effective retirement income planning requires coordination across investments, taxes, and estate strategy. We focus on four key pillars:
Understanding what it truly costs to sustain your desired lifestyle—before and after taxes—is the foundation of every plan. We model fixed versus discretionary expenses, helping you align spending with purpose and flexibility.
Our approach integrates withdrawal sequencing, Roth conversions, and charitable giving to minimize lifetime taxes. We design portfolios that strategically locate assets across taxable and tax-advantaged accounts to optimize after-tax returns.
A successful withdrawal strategy balances stability and growth. We build portfolios designed to fund near-term withdrawals from lower-volatility assets while positioning long-term investments for continued appreciation.
We incorporate contingencies for health care, long-term care, and inflation—ensuring that wealth endures across decades. For many clients, we also explore charitable vehicles, trusts, and family governance frameworks to extend impact across generations.
Our philosophy begins with the belief that retirement should be a season of fulfillment, not financial stress.
Our institutional investment approach ensures your plan can withstand market shifts and adapt as your life changes.But equally important, we serve as your guide, helping you translate a lifetime of saving into a lifetime of purpose.
At True North Wealth Advisors, we bring 25 years of institutional investment expertise to individuals, families, and mission-driven organizations.
Whether you’re navigating a major life transition, building lasting wealth, or stewarding assets for future generations, we provide clear guidance, tailored strategies, and a trusted partnership to help you move forward with confidence.
Let’s explore how we can work together to chart the right path for your financial future.
At True North Wealth Advisors, we bring 25 years of institutional investment expertise to individuals, families, and mission-driven organizations.
Whether you’re navigating a major life transition, building lasting wealth, or stewarding assets for future generations, we provide clear guidance, tailored strategies, and a trusted partnership to help you move forward with confidence.
Let’s explore how we can work together to chart the right path for your financial future.
Investment advisory services are offered through CS Planning Corp., an SEC registered investment adviser.Registration does not imply a certain level of skill or training.
This material is provided for informational and educational purposes only and should not be construed as investment, tax, or legal advice. The information provided does not take into account specific objectives, financial situation, or particular needs of any specific individual. This material does not constitute an offer or solicitation to buy or sell any security, investment, or advisory service.
Past performance is not indicative of future results; all investments involve risk, including the possible loss of principal.
Opinions expressed reflect our judgment as of the date of publication and are subject to change without notice.
Advisory services are offered only to clients or prospective clients where CS Planning Corp. doing business as True North Wealth Advisors and its representatives are properly licensed or exempt from licensure. No advice may be rendered unless a client service agreement is in place. For advice pertaining to your specific situation, please consult with a qualified professional.
