The Income Protocol: Converting Wealth into Vitality
Net worth is a number; income is a lifestyle. We replace the guesswork of market-based withdrawals with a meticulous framework designed to ensure your next paycheck is never a matter of chance.
The Narrative Shift
The Gravity of the Distribution Phase
For decades, your financial health was measured by how much you could grow. But the day you retire, that changes. You move from the “Accumulation Phase” to “Distribution Phase” where a single market fever or an uncoordinated withdrawal can have a permanent impact on your long-term security.
Most “big-box” firms are built to help you save, but they often lack the surgical focus required to help you spend. At Stauffer Retirement Planning, we specialize in the transition. We focus on the flow, not just the balance, ensuring your wealth serves its ultimate purpose: your freedom.
The Three Pillars of Income Health
A Coordinated Strategy for Permanent Clarity
We don’t just ‘withdraw’ funds; we engineer a resilient stream of cash flow through a rigorous, three-pronged protocol.
Benefit Synchronization
Social Security isn’t just a check; it’s a strategic asset. We provide the professional oversight needed to coordinate your benefits with your private savings, ensuring you don’t leave money on the table due to poor timing.
Tax-Efficient Sequencing
It’s not about what you withdraw; it’s about what you keep. We look at the ‘tax-drag’ on your different accounts (401ks, IRAs, Brokerage) to determine meticulous order of operations that minimizes your lifetime tax liability.
Inflation Resilience
A healthy income plan must account for the rising cost of living. We build ‘purchasing power’ protections into your framework, ensuring your lifestyle stays as robust in year twenty of retirement as it was on day one.
The “10-Year Method” Advantage
Insulation from the Headlines
The core of our income philosophy is simple: Stress is a symptom of a reactive plan. Using the framework detailed in The 10-Year Method, we isolate your essential lifestyle needs from market volatility.
By building a “buffer” of accessible income, we provide your portfolio the time it needs to recover during market downturns. This isn’t just a withdrawal strategy; it’s a high-performance protocol that allows you to ignore the noise of the financial news and focus on the life you’ve earned.
Buffer Protection
Your essential income is protected from market volatility, giving your investments time to recover.
Stop Settling for a Pulse Check
If your current advisor is only looking at your portfolio’s growth and ignoring your income’s health, you are only seeing half the picture. You deserve a partner who understands the precision required for the distribution years.
Our Services
Comprehensive Planning for Every Aspect of Your Life
Investment Management
Growth and preservation strategies tailored to your risk tolerance.
Present & Future Tax Planning
Proactive strategies to keep more of your hard-earned money.
Estate & Legacy Preparation
Ensuring your wealth passes to your loved ones exactly how you intend.
Comprehensive Income Planning
Structuring your investments and Social Security into a cohesive plan that ensures your income lasts as long as you do.
Health & Longevity Protection
Strategies for Medicare, spousal coverage, and long-term care to protect your retirement savings from rising health costs.
Ready to Get Started?
Schedule a no-cost consultation to discuss your financial health.