Income Planning

Our advisors specialize in designing draw-down investment portfolios that are suited to help meet the unique challenges of retirement planning. Most investors do not realize that managing money in retirement requires a radically different approach than managing money during the accumulation years. The advisors at Capital Analysts of New England specialize in designing investment portfolios that can help meet our clients' income needs over several decades.

Income Planning Highlights

We offer a wide array of income planning services designed to help our clients manage their income streams, optimize their financial resources, and achieve their long-term financial goals.

Retirement Income Planning: Developing strategies for generating income during retirement. This includes determining the optimal time to start withdrawing from retirement accounts, choosing between various income sources (e.g., Social Security, pensions, annuities), and creating a sustainable withdrawal strategy.

Investment Income Planning: Advising on investment strategies to generate income through dividends, interest, or capital gains. This includes asset allocation, selecting income-generating investments (e.g., bonds, dividend-paying stocks, real estate), and balancing risk with income needs.

Social Security Optimization: Analyzing and advising on the best time to start taking Social Security benefits to maximize lifetime income, considering factors such as health, life expectancy, and spousal benefits.

Pension Planning: Assisting with the planning and management of pension income, including decisions about lump-sum payouts versus annuity options, and integrating pension income with other retirement income sources.

Tax-Efficient Income Planning: Developing strategies to minimize tax liabilities on income. This may involve tax-efficient investment strategies, utilizing tax-advantaged accounts (e.g., IRAs, 401(k)s), and planning withdrawals to manage taxable income.

Debt Management: Advising on strategies for managing and paying off debt to improve cash flow and free up income for savings and investment.

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Resources for Income Planning

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Funding a Roth IRA

Are there rules on who can open a 529 account?

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What Younger Generations Need To Know About Social Security, Medicare

Misunderstandings about the solvency of Social Security and Medicare adversely affect the retirement planning of younger generations.

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