Capital B Advisory
You just retired
The paycheck stopped and now you have to pay yourself. Nobody teaches that part, and it's a genuinely different skill from saving.
The situation
Accumulating
and spending are
different jobs.
For thirty years the task was simple: put money in, don't touch it. Now it reverses, and almost nothing you learned doing the first job helps with the second.
The questions change too. Which account do I take from? How much can I take without running out? What does this do to my taxes? What about Social Security timing?
Most people arrive here with real savings and no framework for spending them down. That's normal — nobody was ever taught it.
What matters now
Four decisions
that drive the rest.
Withdrawal order
Taxable, tax-deferred and tax-free accounts behave differently. The sequence you draw from affects both how long the money lasts and your annual tax bill.
A sustainable rate
How much can come out each year without a meaningful risk of running short. It's an estimate, not a formula, and it should be revisited.
Social Security timing
When you claim changes the amount permanently. The right answer depends on health, other income and whether a spouse is involved.
Required distributions
Tax-deferred accounts eventually force withdrawals whether you need the money or not. Worth planning around before it arrives.
What it costs
Hourly, or
a written plan.
Plenty of people handle this with a single hourly session at $125 — we map the withdrawal order and a sustainable rate, and you run it yourself.
If you'd rather have it all built and written down, that's the $485 one-time plan. And if you'd prefer someone managing it and adjusting each quarter, ongoing management is available.
Investing involves risk including possible loss of principal. No strategy assures a profit or protects against loss.
Next step
Twenty minutes.
No cost.
Nothing to prepare and nothing to bring. If I'm not the right fit, I'll tell you on the call.