Retirees and pre-retirees

Retirement changes the job your money needs to do.

Connect your portfolio with the income you need and the decisions retirement brings. Todd Smurl, CFA, brings customized investment management and personal financial planning together, with attention to withdrawal choices, taxes and Social Security.

Last reviewed

Who this is for

  • People within about ten years of retirement who want to know whether the numbers work
  • Retired households reviewing how their savings support spending, taxes and changing needs
  • Households deciding when to claim Social Security and how to bridge to Medicare

Problems it solves

  • No clear answer to "how much can we spend?"
  • Large pre-tax balances that may affect future required withdrawals and taxes
  • Concentrated employer stock or an old 401(k) lineup that was never rebalanced

What makes it different

You work directly with Todd Smurl, CFA, on both investment management and personal financial planning. Portfolio, withdrawal and tax decisions are considered together rather than in isolation.

Start with the decision in front of you

Approaching retirement

Compare spending, income and withdrawal choices before making the transition. Start with personal financial planning to connect those decisions with your portfolio.

Already retired

Review how your portfolio and account withdrawals support your spending and tax decisions. See how investment management fits the accounts and holdings you already have.

Considering a new adviser

Understand your existing costs, holdings and service needs before deciding whether to move. Read what to know before changing advisers, or talk with Todd.

What we work on together

  • Retirement income plan. How much you can spend, from which accounts, in what order, and what happens in a bad market.
  • Social Security and Medicare timing. Claiming strategies and IRMAA planning, modeled with your taxes.
  • Roth conversions and RMDs. Compare conversion and withdrawal choices using current circumstances and future assumptions, including their potential effects on later income and taxes.
  • Portfolio transition. Review legacy holdings and the trade-offs in a Personal Index Portfolio transition, using agreed priorities and constraints. Eligible holdings may move in kind from a large brokerage firm; retaining existing positions can still leave concentration or tracking risk.
  • Estate coordination. Beneficiaries, account titling, and working alongside your attorney.

Questions about retirees and pre-retirees

Do you prepare our tax return?

No. We do the tax planning, such as Roth conversion amounts, withdrawal order, and charitable timing, and coordinate with your tax preparer, who files the return. Integrity Financial Planning is not a CPA firm.

When should I start retirement planning?

Starting before you stop working gives you time to compare choices rather than rush a decision. If you are already retired, we can review current spending, withdrawals, holdings and any changed priorities.

How do you decide when I should claim Social Security?

We model claiming ages against your health, spousal benefits, other income, and the taxes each path creates, then pick the strategy that best supports your plan rather than simply maximizing lifetime benefits.

Do you help with Medicare?

We help you plan the transition to Medicare, including the income-related premium surcharges (IRMAA) that Roth conversions and large withdrawals can trigger. We do not sell Medicare policies.

Talk with a CFA about your situation

A free introductory meeting, no obligation.

Book with ToddSee our fees