Retirement Planning
Retirement planning strategies to help you build financial independence for the life you want to live.
You’ve spent decades accumulating wealth, and now the questions shift. Can you retire at 55, or should you work until 62 or 65? How do you convert a portfolio of investments into reliable income that lasts 30 or more years? What’s the most tax-efficient way to draw from traditional IRAs, Roth accounts, and taxable investments—while potentially leaving something meaningful for heirs or causes you care about?
These aren’t simple calculations. They’re deeply personal questions that intersect with your vision for how you want to spend your time, what kind of freedom you need in this next phase, and how you want to support the people and purposes that matter most.
The transition from earning to living off your wealth represents one of life’s most significant financial shifts—and it deserves strategic guidance.
The Retirement Planning Challenges You’re Facing
Moving from accumulation to distribution involves navigating multiple dimensions simultaneously—investment strategy, tax optimization, income sustainability, healthcare planning, and legacy goals. Many individuals approaching retirement encounter similar concerns:
- Uncertainty about sustainability: Will your assets support your desired lifestyle for 30 or 40 years without running out?
- Tax complexity: How do you sequence withdrawals across multiple account types to minimize lifetime tax liability?
- Investment strategy shifts: Your risk tolerance may be changing, but you still need growth to combat inflation over a multi-decade retirement
- Healthcare and long-term care: How do you position assets for potential medical expenses without being overly conservative?
- Legacy intentions: You want to support family or charitable causes but not at the expense of your own security
Connect with a Professional Financial Advisor
The retirement landscape itself has evolved. People are living longer, requiring portfolios to sustain income over unprecedented time horizons. Required minimum distributions interact with Social Security and other income sources in complex ways. And the proliferation of account types means withdrawal sequencing decisions can significantly impact your after-tax wealth.
How Retirement Planning Services Create Clarity and Confidence
Model Scenarios That Show What's Possible
Retirement financial planning analyzes your specific situation—spending patterns, income sources, investment strategy—to show whether your desired lifestyle fits within your resources. Understand sustainable withdrawal rates, where adjustments might serve you, and how different spending scenarios impact portfolio longevity over decades.
Navigate Tax Complexity Strategically
Drawing from multiple account types requires thoughtful sequencing decisions. Retirement planning services help you evaluate when to tap taxable accounts versus tax-deferred IRAs versus Roth accounts, how required minimum distributions interact with other income, opportunities for strategic Roth conversions that reduce lifetime tax liability, tax-efficient strategies like qualified charitable distributions that satisfy RMDs without increasing taxable income, and state tax considerations if you're contemplating relocation.
Align Investment Strategy with Your New Reality
The risk you're comfortable taking often shifts as you transition from accumulation to distribution. A retirement planning financial advisor helps you balance the need for growth to combat inflation with the desire for stability as you rely on investments for income—adjusting allocations to match both your emotional comfort and financial requirements.
Build Flexibility for Changing Needs
The retirement you envision at 65 may look different at 75 or 85 as health changes or unexpected needs arise. Retirement plan structures that maintain adequate liquidity, position assets for potential long-term care needs, and preserve options to adjust spending help you adapt without being forced into decisions by circumstance.
Support Legacy Goals Without Compromising Security
Want to help adult children, contribute to grandchildren's education, or support charitable causes? Retirement planning helps you model how different legacy strategies impact your financial independence and structure, giving in ways that serve both generosity and sustainability.
Why BPM for Retirement Planning
Our team holds credentials reflecting the highest standards in financial planning, including the CERTIFIED FINANCIAL PLANNER™ designation, representing comprehensive training in retirement income strategies, tax planning, and investment management.
With over 40 years of combined experience serving high-net-worth individuals, families, and executives, we’ve guided clients through traditional retirements, phased approaches, business exits, and portfolio-funded lifestyles.
What this means for you: advisors who understand the technical foundations of retirement income planning, who can model tax implications across different withdrawal strategies, and who recognize that effective retirement planning connects your assets to how you actually want to spend your time.
Meet our Wealth Management Leaders
NOTE
Securities through Valmark Securities, Inc., member FINRA, SIPC. Investment Advisory services are offered through BPM Wealth Advisors, LLC and/or Valmark Advisers, Inc. a SEC Registered Investment Advisor, with address of 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431, and telephone number +1 (800) 765-5201. BPM LLP and BPM Wealth Advisors, LLC are entities separate from Valmark Securities, Inc. and Valmark Advisers, Inc. Form CRS Link
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Looking for a team who understands where you’re headed and how to help you get there? Whether you’re building something new, managing growth or preserving success, let’s talk.