Worried About Running Out of Money in Retirement?
You've spent decades building your wealth. Let's make sure it lasts.
6 Office Locations
SEC-Registered Fiduciary
Comprehensive Planning
You've spent decades building your wealth. Let's make sure it lasts.
6 Office Locations
SEC-Registered Fiduciary
Comprehensive Planning
Your Questions, Answered
Retirement planning is deeply personal. You have real questions about your future, and you deserve more than generic advice. These are the conversations we have with clients every day -- and the ones we'd love to have with you.
We run detailed projections based on your income, savings, spending, and goals to find the answer that fits your life.
Longevity is a real risk. We build withdrawal strategies and income plans designed to help sustain your lifestyle for the long haul.
The right answer depends on your health, income sources, and spouse. We model every scenario so you can claim with confidence.
Healthcare is one of the largest expenses retirees face. We help you plan for Medicare, supplemental coverage, and out-of-pocket costs.
The order and timing of withdrawals from 401(k)s, IRAs, and taxable accounts can save you significantly. We build a tax-smart drawdown plan.
Sequence of returns risk is real. We implement downside protection strategies to help guard your nest egg during vulnerable years.
Our Approach
Think of retirement planning like trying to hit a moving target in the wind. The target is your retirement goal, and the wind represents all the external factors that can push you off course. Most planners focus on the target. We focus on accounting for the wind.
Many retirees are surprised to learn that up to 85% of their Social Security benefits may be taxable. The way you withdraw from your retirement accounts, the timing of those withdrawals, and the types of accounts you draw from can make a significant difference in your overall tax burden. Our retirement planning approach incorporates tax-efficient withdrawal strategies designed to help you keep more of what you've earned.
Navigating Social Security spousal benefits, survivor benefits, and the optimal claiming strategy for married couples is one of the most complex -- and most impactful -- decisions in retirement planning. The difference between the best and worst claiming strategy for a couple can amount to hundreds of thousands of dollars over a lifetime. We analyze every scenario to help you maximize your benefits.
Since 2000, the buying power of a dollar has declined by approximately 34%. For retirees living on fixed income, inflation is one of the most dangerous and underappreciated risks. A retirement plan that doesn't account for inflation is a plan that will slowly erode your lifestyle. We build inflation assumptions into every projection to seek to help protect your purchasing power throughout retirement.
Understanding the interplay between Medicare and Social Security is critical. From Medicare Part B premium surcharges (IRMAA) triggered by income thresholds, to the timing of Medicare enrollment relative to employer coverage, the decisions you make can have lasting financial consequences. We guide you through the enrollment process and help you coordinate these benefits with your overall retirement income strategy.
As you approach and enter retirement, protecting your portfolio from significant downturns becomes increasingly important. A major market decline early in retirement -- known as sequence of returns risk -- can permanently impair your portfolio's ability to sustain your lifestyle. We assess your true risk tolerance and implement downside protection strategies to help ensure your retirement income remains stable regardless of market conditions.
Free Tools
Not ready to talk? No pressure. Try one of our free tools to get a clearer picture of where you stand.
Answer a few quick questions to find out how prepared you are for retirement -- and where you might have gaps in your plan.
Take the Quiz →See how your current 401(k) contributions could grow over time and explore what adjusting your savings rate could mean for your future.
Run the Numbers →Free Resource
Learn the strategies retirees use to help maximize Social Security benefits while reducing their overall tax liability. This free guide covers claiming strategies, IRMAA thresholds, Roth conversion timing, and more.
Get Your Free CopyFrequently Asked Questions
Straightforward answers to the questions we hear most often.
There is no single number that works for everyone -- your retirement savings goal depends on your desired lifestyle, expected healthcare costs, income sources like Social Security or pensions, and how long you need your money to last. A common guideline is to aim for 70-80% of your pre-retirement income, but the real answer requires a personalized analysis. At Trillium Wealth, we build detailed retirement projections tailored to your specific situation so you can plan with clarity, not guesswork.
Sequence of returns risk refers to the danger of experiencing poor investment returns in the early years of retirement, when you are also withdrawing from your portfolio. Even if long-term average returns are strong, a significant downturn in the first few years can permanently reduce the longevity of your savings. Trillium Wealth helps you manage this risk through diversified income strategies and downside protection planning designed around your specific retirement timeline.
Coordinating Social Security with other income sources -- 401(k) withdrawals, IRAs, pensions, and investment income -- is one of the most impactful decisions in retirement planning. The timing of when you claim can affect your tax bracket, Medicare premiums, and how long your portfolio lasts. Our advisors at Trillium Wealth analyze your complete income picture to help determine the optimal Social Security claiming strategy for your household.
The short answer: as early as possible. The longer you have, the more time your savings have to grow through compounding. But even if retirement is just a few years away, it is not too late -- in fact, the decisions you make in the five to ten years before retirement are often the most consequential. Trillium Wealth works with clients at every stage, from early career savers to those approaching their target retirement date.
The 4% rule is a general guideline suggesting that retirees can withdraw 4% of their portfolio in the first year of retirement, adjusting for inflation each year after, with a reasonable expectation of not running out of money over 30 years. However, this rule was developed under historical conditions that may not reflect today's interest rate environment, market valuations, or individual circumstances. At Trillium Wealth, we go beyond rules of thumb and create dynamic withdrawal strategies that adapt to your actual portfolio performance and spending needs.
Medicare Part B and Part D premiums are income-based, meaning higher-income retirees pay significantly more through Income-Related Monthly Adjustment Amounts (IRMAA). A large Roth conversion, capital gain, or pension payment can push you into a higher premium bracket, costing thousands of dollars per year. The team at Trillium Wealth helps you plan withdrawals and income events strategically to help manage IRMAA exposure and keep more of your retirement income working for you.
Serving Your Community
Winter Park, FL
Clifton Park, NY
Monroe, LA
Raleigh, NC
Yorkville, IL
Downingtown, PA
Whether you're in Central Florida, Upstate New York, or anywhere in between, our team is ready to help you plan for a confident retirement.
All investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Past performance is not indicative of future results.
In 15 minutes we can get to know you – your situation, goals and needs – then connect you with an advisor committed to helping you pursue true wealth.