Turn the wealth you’ve built into a retirement plan that works.
Stockbridge coordinates retirement income, taxes, Social Security, investments, and risk management into one strategy for the years just before and after retirement.
Retirement income isn’t one thing we do.
It’s what we specialize in.
Retirement changes the financial problem. Your assets still need to grow, but they also need to fund your lifestyle, produce income, manage taxes, and withstand market risk for decades. We plan those decisions together rather than one at a time.
One plan. Five steps.
We begin with the retirement you want to fund, then work through income, taxes, investments, implementation, and ongoing management in that order.
Determine what your wealth needs to support.
We start with the life you want, not a portfolio allocation. That means understanding spending, major goals, family priorities, and when paid work can become optional.
What we do
- Retirement readiness analysis
- Lifestyle and spending plan
- Large-purchase and family-goal modeling
- Longevity and market stress testing
- Scenario planning around retirement timing
Create the retirement income and tax strategy.
Next we decide where your retirement paycheck should come from and how those choices affect taxes over time. Income decisions and tax decisions are made together.
What we do
- Social Security and pension timing
- Withdrawal sequencing across account types
- Roth conversion analysis
- RMD and Medicare/IRMAA planning
- Capital-gain and charitable-giving strategies
Align the portfolio with the retirement plan.
Once the income plan is clear, we determine how much liquidity, growth, and risk the portfolio needs. The investment strategy is built for retirement rather than managed in isolation.
What we do
- Asset allocation and investment management
- Cash and near-term spending reserves
- Sequence-of-returns risk planning
- Tax-efficient asset location
- Insurance and other retirement-risk review
Put the plan into action.
A retirement plan has little value if it remains a document. We handle the investment implementation and help coordinate the financial actions needed to make the strategy operational.
What we do
- Account transfers and Schwab custody
- Portfolio implementation and rebalancing
- Distribution and cash-flow setup
- Roth conversions and planned withdrawals
- Beneficiary and estate-plan coordination
Keep the strategy current as retirement unfolds.
Markets, tax laws, spending, and family circumstances change. We continue managing the portfolio and updating the income and tax strategy as those changes occur.
What we do
- Ongoing investment management
- Annual tax and withdrawal planning
- Retirement-income adjustments
- Social Security and RMD implementation as they begin
- Plan updates when life changes
The pieces stay connected after the initial plan is complete.
Retirement planning is ongoing because the decisions do not stop at retirement. We keep managing the areas that affect the plan rather than handing you a report and sending you on your way.
Planning is most valuable at the transition point.
Most new Stockbridge relationships begin in the years just before retirement or during the first few years after work ends.
See if you’re a fit.
Tell us a little about where you are and what prompted you to reach out. We’ll review it and follow up personally.
Prefer to choose a time now? Schedule a conversation.
Or text Eric directly at (920) 550-6550.