Retirement Income Planning
Retirement is more than reaching a savings goal — it’s about transforming your hard-earned assets into a reliable, adaptable income stream that supports your lifestyle and legacy. At Pivotal Financial, we believe your income plan should evolve with you, providing confidence no matter how life or the markets change.
What Sets Us Apart
Every Income Source, One Plan
We look at the full picture — Social Security, pensions, annuities, investments, cash reserves, and more — and coordinate them into a single, easy-to-understand retirement income strategy.
Smart Withdrawal Order
Our strategies help you decide which assets to draw from, when to use them, and how to maximize income while minimizing taxes and unnecessary risk.
From Saving to Spending, Smoothly
We guide you from the accumulation years into a sustainable income phase — focusing on tax-efficient withdrawals designed to last as long as you do, not just for a few early years.
A Plan That Adapts As Life Changes
Your income needs at 65 will not be the same at 75 or 85. That’s why we treat your plan as a living strategy, not a one-time spreadsheet.
- In-depth analysis of your goals, spending needs, and risk tolerance.
- Scenario planning for longevity, healthcare costs, and market volatility.
- Ongoing reviews and adjustments as your lifestyle, tax laws, and markets evolve.
How We Build Your Income Plan
Clarify Your Lifestyle
We start with your real life: what you want to spend, where you want to live, who you want to help, and what “comfort” looks like in retirement.
Map Your Income Streams
Together we organize Social Security, pensions, protected income tools, and investment accounts into a clear, year-by-year income picture.
Design Withdrawal & Tax Strategy
We prioritize which accounts to use first, how to help reduce taxes over time, and how to keep income resilient through different market environments.
Review, Refine, Reassure
Life happens. We meet regularly to adjust your plan for new goals, health changes, or market shifts — so your income strategy stays aligned with your reality.
Why Your Income Plan Matters So Much
The #1 fear for retirees is running out of money. Our mission is to replace uncertainty with clarity — so you can enjoy retirement, confident that your income is designed to support you for life, not just for “as long as the market cooperates.”