Retirement Planning for Families Who Want Clarity and Confidence
I work with retirees who want to make intentional choices about taxes, income, and lifestyle as they move into and enjoy retirement.
I’ve found that the transition to retirement feels unfamiliar and many families face common concerns:
- We want to enjoy time with our family, pursue our passions, and not stress over markets.
- Investing was easier while we were adding savings to our accounts each year, spending feels different.
- We don’t want to live below our means, but we’re afraid of running out.
- Taxes seem like they’ll take more in retirement than they did while working.
These are real concerns, and they deserve thoughtful planning.
We approach the retirement puzzle through a three-step process:
Lifestyle Planning: Aligns spending, lifestyle, and legacy priorities so retirement feels purposeful and fulfilling.
Retirement Income Planning: Helps provide clarity into how much you can comfortably spend and sustain throughout retirement.
Strategic Tax Planning: Coordinates investments and tax brackets to help optimize your retirement income.
Topics that may be discussed throughout our relationship include:
- Retirement Spending Strategy
- IRA Withdrawals and Required Minimum Distributions
- Roth Conversions
- Federal and State Taxes
- Social Security
- Medicare IRMAA Surcharges
- Long-Term Care Planning
- Tax-Efficient Investing and Asset Location
- Family Giving
- Charitable Giving, Qualified Charitable Distributions, Donor Advised Funds
- Estate planning
Each piece connects to your larger goal of maintaining freedom, family, and financial security throughout retirement. Our goal is to simplify the complex pieces of retirement so you can focus on what matters most.
Next Steps
Ready to make your retirement plan clear, confident, and tax-smart? Schedule a conversation to see what your retirement could look like.
VISO WEALTH MANAGEMENT LLC 