Turn Savings Into Security

Retirement Income Planning in Columbia, SC

We help you create a reliable retirement paycheck — so you can enjoy life without worrying about outliving your money.

Let’s Build Your Income Plan
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Social Security Strategy

We help you choose the right time and method to claim Social Security for maximum lifetime benefits.

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Cash Flow Confidence

We build your monthly income like a paycheck — so you know where your money’s coming from, every step of the way.

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Withdrawal Planning

Know which accounts to use, in what order, and how much to safely withdraw each year — with tax impact in mind.

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Longevity Protection

Your plan accounts for inflation, market volatility, and healthcare costs — helping you plan to 90, 95, or beyond.

The right income plan turns “Can I afford to retire?” into “I’m ready.”

How We Create Your Retirement Paycheck

Our income planning process starts with your lifestyle goals. We estimate your annual spending and design a plan that coordinates Social Security, investments, pensions, and other assets to meet your monthly needs.

We build in smart withdrawal strategies — like using after-tax dollars early to delay IRA distributions, or converting to Roth IRAs in low-income years. This minimizes taxes and helps your portfolio last longer.

We also prepare for the unexpected: market downturns, rising healthcare costs, and long lifespans. With flexible withdrawal plans, investment buffers, and healthcare-aware strategies, your income plan stays resilient no matter what.

  • What’s included in a retirement income plan?


    We calculate how much you’ll need annually, when to take Social Security, how to draw from accounts tax-efficiently, and how long your money will last under different market and lifestyle scenarios.

  • Will you help me decide when to claim Social Security?


    Yes. We run personalized break-even and longevity analyses to determine the best filing age — especially if you’re married or widowed.

  • What happens if the market crashes right after I retire?


    We plan for that. Our strategies include cash reserves, flexible withdrawals, and income sources designed to reduce sequence-of-returns risk.

Confidence to Spend

No cookie-cutter templates — your financial plan is built to reflect your values, priorities, and timeline.

Customized and Flexible

With over 30 years in business and 60+ years of combined experience, we guide with care and expertise.

Built for the Long Run

With strategies for inflation, RMDs, healthcare, and taxes, your plan is designed to last 20+ years or more.

Retire with Clarity, Not Guesswork

If you’re within 10 years of retirement, now is the time to create your income strategy. We’ll help you turn your savings into a plan you can count on — and make your retirement years feel as secure as they should.