Retirement Planning

Confidently transition from earning a paycheck to living off your wealth—with a plan that’s built for your lifestyle.

At VIP Wealth Advisors, we don’t just help you retire—we help you retire well. Whether you’re 5 years out or already retired, our Retirement Planning service is designed to give you clarity, control, and confidence in every decision.

What’s Included

1. Comprehensive Retirement Readiness Analysis

   Are you on track? We’ll show you.

   • In-depth look at income needs, expected expenses, and inflation
   • Social Security optimization strategies
   • Pension analysis and payout recommendations
   • Scenario modeling based on different retirement ages and lifestyles

2. Income Distribution Strategy

   Turn your assets into a tax-efficient paycheck.

   • Sustainable withdrawal strategies based on your timeline and risk tolerance
   • Sequencing of account withdrawals (Roth, IRA, taxable, etc.)
   • Tax-efficient income blending to minimize brackets and Medicare surcharges
   • Required Minimum Distribution (RMD) planning and Qualified Charitable Distributions (QCDs)

3. Roth Conversions & Tax Minimization

   Taxes don’t retire when you do—we help you stay ahead of them.

   • Multi-year Roth conversion strategy
   • Bracket management and long-term tax mapping
   • Avoiding common pitfalls like IRMAA surcharges and stealth taxes
   • Coordination with investment and estate strategies for maximum benefit

4. Investment Allocation for Retirement

   Your portfolio should evolve as your goals do.

   • Transition from growth to income-focused investing
   • Risk-adjusted, low-cost portfolios tailored to your withdrawal strategy
   • Bucket strategy implementation and glidepath monitoring
   • Rebalancing based on market conditions and cash flow needs

5. Healthcare, Long-Term Care & Legacy Planning

   Plan for what’s next—because retirement isn’t just about money.

   • Medicare planning and supplement guidance
   • Long-term care insurance analysis (if appropriate)
   • Estate and beneficiary alignment
   • Planning for charitable giving or leaving a legacy

6. Ongoing Monitoring and Support

   Retirement planning isn’t “set it and forget it.”

   • Semi-annual strategy meetings and check-ins
   • Adjustments based on market conditions, taxes, or life events
   • Unlimited access via Zoom, phone, or email

Who Is This For?

• Professionals or couples within 10 years of retirement
• Retirees looking for expert guidance on withdrawals, taxes, and investments
• Equity-compensated employees with complex income streams
• High-net-worth individuals ready to turn accumulation into distribution

Why It Matters

You only retire once—don’t wing it. We bring structure, insight, and strategy to help you enjoy your wealth confidently, without fear of running out or leaving money on the table.

Ready to create a retirement you don’t need a vacation from?
Let’s build a retirement plan that supports your life, your values, and your goals.