Retirement & Income Planning
Your next chapter.
A clearer view.
Retirement changes the job your money has to do. We help bring income sources, spending, investment withdrawals, and family priorities into one plan.
Schedule a Clarity Review
Build an income picture
Start with the life you want to support.
Spending & reserves
Consider recurring needs, discretionary spending, major purchases, and the cash available for unexpected costs.
Income & withdrawals
Coordinate Social Security, other income sources, and withdrawals across taxable, tax-deferred, and Roth accounts.
Risks & adjustments
Evaluate the effect of market changes, inflation, longevity, and potential care needs on your finances.
Social Security planning
A household decision with lasting effects.
Look beyond a single claiming date.
We help consider when to begin benefits and how that choice fits your investment withdrawals and other income. Claiming retirement benefits early generally reduces the monthly amount; waiting can increase it up to age 70.
The conversation also considers spousal and survivor circumstances, plans to keep working, and how household decisions may interact. We may coordinate with your tax professional when needed. Social Security eligibility and actual benefits are determined by the Social Security Administration.
Learn more: Social Security Administration.
Accounts in context
A former employer’s plan still deserves a place in the conversation.
A previous employer’s retirement plan may continue to fit your needs. Before moving assets, compare leaving them in the plan, transferring to another eligible employer plan, rolling over to an IRA, or taking a distribution. Availability, costs, services, investment choices, protections, and tax consequences can differ.
UAA has a financial incentive to recommend rolling assets into an account it manages because those assets can generate additional advisory fees. A rollover should be based on your circumstances, not convenience alone.
Related decisions
Connect income planning with the wider picture.
Roth conversion planning
Evaluate conversion amounts and timing alongside retirement withdrawals and the current tax cost.
Explore Roth planningFinancial planning
Include cash reserves, debt decisions, family responsibilities, and other priorities in the discussion.
Explore financial planningBusiness retirement plans
Consider retirement-saving options for owners and employees within the appropriate engagement.
Explore business-owner planningFurther reading
Put the decisions in context.
Explore the numbers
Put your assumptions in perspective.
Start with a conversation