Turn what you've saved into income you can count on.
The shift from saving to spending is the hardest handoff in planning—income, taxes, healthcare, Social Security, all at once. I'll map out the years ahead, and Folio keeps watch so the plan adapts as life does.
More questions, all connected.
In the years just before and after retirement, decisions stop being independent—each one influences several others.
Income sequencing
The order you draw from accounts shapes taxes and longevity for decades to come.
Tax planning windows
The years between retirement and RMDs often offer the most valuable Roth-conversion opportunities.
Healthcare bridge
Medicare, ACA premium dynamics, and HSAs interact in ways worth modeling in advance.
Risk & sequence-of-returns
What worked while accumulating doesn't always serve well as you start withdrawing.
A plan for the years that matter most.
The decade around retirement is where most of the highest-leverage planning happens. We help make those years deliberate.
A retirement income plan across taxable, tax-deferred, and Roth assets.
Roth-conversion modeling across the years that offer the most leverage.
A healthcare bridge strategy coordinating ACA, HSA, and Medicare decisions.
Portfolio risk reset—aligning risk to a withdrawal-phase reality, not the accumulation one.
Make the next decade deliberate.
A short conversation about your timeline, the decisions ahead, and whether we're the right fit.
Schedule a Fit Call →