You’ve spent decades building wealth. Now the focus shifts to using it with purpose, structure, and a plan designed around your life.
You’ve spent decades building wealth. Now the focus shifts to using it with purpose, structure, and a plan designed around your life.
For most people in their 50s and early 60s, the question is no longer whether they have saved enough. It is when they can realistically stop working, how to make what they have built last, and how to keep as much of it as possible away from the IRS.
Whether retirement is years away, just starting, or well underway, the work looks different at each stage. We meet you where you are.
Typically in your mid to late 40s, 50s, or early 60s — still working and starting to think seriously about the transition. You want clarity on your number, your timeline, and what needs to happen between now and retirement.
You have left the workforce or are close, and you want confidence that your money will last, your withdrawals are structured intelligently, and your tax exposure is under control.
The plan you built — or never built — now needs to function in the real world. We focus on making your money last, managing taxes on the way out, and adjusting the plan as your life changes.
Six areas where the decisions compound, and where a coordinated plan changes the outcome.
We map your projected income from every source – Social Security, pensions, savings and investment accounts, and any part-time work – and show how they work together over time. We handle the distributions so the right amount lands in your bank account each month, without you having to think about it.
Using your current assets, savings rate, and spending targets, we identify when you can realistically retire and which variables matter most between now and then.
We determine which accounts to draw from, in what order, and at what pace — balancing tax efficiency with long‑term sustainability.
We evaluate your claiming options across scenarios and help you decide when to file, including coordination strategies for couples.
Roth conversion analysis, capital gains management, and Required Minimum Distribution planning — coordinated year over year.
We model your plan across a range of market conditions, inflation scenarios, and spending changes, then translate the results into a clear confidence score so you can see where adjustments matter most.
Clients come to Inclinevest for disciplined, long‑term investment management, with guidance on retirement and major financial decisions.
The RetireWell™ Process integrates both — keeping investment strategy and planning aligned over time.
Schedule a complimentary introductory call. We’ll spend 30 minutes getting clear on where you are, where you’re headed, and whether Inclinevest is the right fit.
Retirement projections, confidence scores, and stress tests are estimates based on current assumptions. Since markets and personal circumstances change over time, actual results may be different. Reviewing your plan regularly helps keep projections aligned with your goals.
All investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Formal advice is only provided after a written Advisory Agreement is in place.
