Retirement Income Planning in Alpharetta, GA
Turn Savings Into Income Designed to Last
You've spent decades saving. Now the question is how to turn that into an income strategy designed to support you throughout retirement.
Fee-Only • Fiduciary • Independent RIA • CFP®, ChFC® • 30+ Years Serving North Atlanta
You've Saved. Now What?
You've built savings over a career. Now you're facing a different question: how do you turn that into an income strategy designed to support the life you want? At Daner Wealth Management, we help high-income professionals and executives in Alpharetta, Roswell, and Johns Creek build a retirement income strategy tailored around your goals, your accounts, and your tax situation.
When to Start Retirement Income Planning
You may be ready for this conversation if retirement is five to ten years out, if you're unsure how Social Security timing affects your income, or if you don't have a clear plan for which accounts to draw from first. Waiting until retirement begins can limit your options. Decisions like Social Security timing and Roth conversions often work best when planned ahead.
Our Retirement Income Planning Process
We start with a conversation about your income sources, spending goals, and retirement timeline. From there, we build a plan that covers:
- A Withdrawal Strategy Built Around Your Situation. We don't rely on a one-size-fits-all rule. We sequence your accounts to help manage taxes and account for sequence-of-returns risk, which can help reduce the impact of a downturn early in retirement.
- An Income Floor for Your Essential Expenses. We look at how Social Security and pension income can cover your core costs, so the rest of your portfolio has room to grow and support the lifestyle you want. (See our take on common retirement income mistakes.)
- A Plan for Required Minimum Distributions. We help you prepare before RMDs begin, so you understand the tax impact ahead of time.
- A Strategy for Healthcare Costs in Retirement. Medical expenses are often retirees' biggest and most underestimated cost. We help you plan for them before they arrive.
As a fiduciary, every recommendation is built around your interests, not a product. We revisit your plan regularly and adjust it as markets, tax law, and your life change.
We don't charge by the service or take commissions on products we recommend. As a fee-only firm, we charge an all-inclusive percentage of assets under management, generally 0.75%–1.25% annually, so our only incentive is doing right by your plan. We'll walk you through exactly what that means for your situation before you commit to anything.
Why Choose Daner Wealth Management
Marc Daner, CFP®, ChFC®, has guided clients through retirement transitions for more than 30 years. As an independent, fee-only fiduciary, we're required by law to act in your best interest, not selling products or earning commissions. We explain your options in plain language and stay with you as your plan evolves.
Talk to Marc
If retirement income planning is on your mind, we'd welcome the conversation. Schedule a consultation with Marc Daner to talk through what a retirement income strategy could look like for you.
FAQs
Get your questions answered about our retirement income planning .
Retirement planning covers the full picture: investments, taxes, healthcare, legacy. Retirement income planning focuses specifically on how you'll turn what you've saved into steady income once you stop working.
Most clients benefit from starting five to ten years before retirement, though it's never too early to understand your options.
Yes. We work with clients in Alpharetta and beyond to review income strategy, adjust withdrawals, and plan around healthcare and tax changes after retirement begins.
It can. A plan's funding health affects how secure the annuity option really is, and private pensions carry some protection through the Pension Benefit Guaranty Corporation up to a legal limit. We factor this into the lump sum vs. annuity conversation.
