Retirement Income Planning & Tax Strategies

Designing your Roadmap to a Successful, Fulfilling Retirement

If you’re here you’ve probably done a good job of accumulating wealth, but retirement planning isn't just about saving money; it's about having a roadmap that accounts for all the financial stops along the way. Your retirement savings represent a lifetime of hard work and dedication and we’re passionate about leveraging our unique expertise to help you keep more of what you’ve earned.

Speak with an Advisor

The Bucket Plan® Philosophy

At the heart of our retirement planning strategy is The Bucket Plan^® philosophy, based on the best-selling book.

Through this approach, we balance your current income with the importance of long-term growth, ensuring you have the resources you need throughout your retirement journey.

Using this process, we’ll work with you to design a tax-smart plan that divides your assets into three distinct buckets:

Now: For immediate expenses and emergency funds
Soon: For short to medium-term needs (typically 3-10 years)
Later: For long-term growth and legacy planning

Distributing Your Wealth According to Your Needs

One of the most critical aspects of retirement planning is determining how to efficiently withdraw from your various accounts. Our team of subject-matter-specialists will help you create a tax-efficient strategy that:

Reduces your lifetime tax burden
Makes the most of your Social Security benefits
Helps ensure your healthcare and insurance needs are taken care of
Balances your current needs with long-term growth potential

Uncovering Your Hidden Wealth

Between premiums, taxes, fees, there’s plenty of room for error or costly mistakes in readying for retirement. We’ll take you beyond traditional planning to uncover hidden wealth and incorporate new opportunities through:

Tax Strategy Optimization

We leverage the tax code to find deductions and credits that can significantly reduce your tax burden.

Asset Location

Strategic asset placement can reveal tax advantages and growth opportunities.

Social Security Optimization

We help you determine the optimal claiming strategy to potentially add thousands to your retirement income.

Risk Management Review

We analyze your insurance and risk management strategies to protect your wealth more efficiently.

The OneTeam Advantage

When you work with OneTeam Financial you get a partner always looking out for your best interests: one team of specialists, under one roof, collaborating and strategizing on your behalf to help ensure you have the retirement you deserve. Let us equip you to retire with confidence.

Ready to Retire with Confidence?

Don't leave your retirement to chance or overlook hidden opportunities. We'll be with you every step of the way, adjusting your plan as your life and the financial landscape change.

Schedule Your Free Consultation