Use Income Planning Strategies to Retire Well

When it comes to retiring with confidence, accumulating assets is only half the battle. It’s critical that you can develop and implement a strategic plan for distributing those assets in a way that meets your income needs throughout your retirement years … no matter how long they last.


You may have heard about common rules of thumb for doing so, such as the age-old four percent rule. But in truth, there is no one-size-fits-all way to approach income planning. There are a number of considerations that come into play, including:

  • The type of lifestyle you hope to maintain in the future
  • The bottom line for covering your basic needs
  • When and how to claim your Social Security benefits
  • How Social Security, pension, IRA and annuity income can work together
  • Your current and projected tax brackets
  • If there are additional assets available to cover discretionary expenses or to provide a legacy
  • How inflation might impact the value of your income over time
  • How to address market volatility, low-interest rates and other economic challenges you may face


For even the most financially literate individuals, making sense of it all is anything but easy. That’s where our experience can make a meaningful difference. As a Retirement Income Certified Professional®, Laura Carlson can work with you to help identify and implement workable strategies for creating an income stream while putting your goals and dreams within reach. We’ll then help you make any adjustments needed should life’s “what ifs” become “what is.”