Retirement Income Planning Services in Minnesota & Wisconsin

We help individuals and couples across Minnesota and western Wisconsin create income plans that support their retirement lifestyle. Whether you're preparing to retire or already drawing from your savings, we'll help you turn what you've saved into a reliable income stream. Our retirement income planning process is built to reduce uncertainty, coordinate tax-smart withdrawals, and give you confidence through every stage of retirement.

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How We Build Your Retirement Income Plan

We Start With Your Spending Goals

We help you define how much income you'll need in retirement-not just for basic expenses, but for travel, hobbies, healthcare, and more.


We Organize Your Income Sources

From Social Security and pensions to retirement accounts and brokerage assets, we coordinate where your income will come from and when.


We Plan for Longevity & Inflation

Your retirement could last 25-30 years or more. We build strategies designed to help your income last, even as prices rise and markets shift.


We Reduce Surprises

Taxes, required withdrawals, and unexpected expenses can eat into your income. We build flexible plans that help protect your spending power.

What's Included in Our Retirement Income Planning Services

01

Income needs analysis & forecasting

02

Social Security & pension timing strategies

03

Tax-efficient withdrawal sequencing

04

Coordination with IRAs, 401(k)s & annuities

05

Longevity & inflation protection planning

06

Ongoing income reviews & adjustments

Who We Serve

We work with pre-retirees and retirees across Red Wing, Lake City, Northfield, and southeastern Minnesota-as well as nearby Wisconsin towns like Prescott and Ellsworth. Our clients want to feel confident about where their income is coming from-and how long it will last. Whether you're a few years away from retirement or already navigating withdrawals, we're here to help.

Common Retirement Income Questions

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  • How do I know if I have enough saved to retire?

    We run personalized income projections based on your savings, goals, and spending. If there's a gap, we'll give you strategies to close it.

  • What order should I withdraw from my accounts?

    The sequence matters. We help create a withdrawal plan that balances income needs, taxes, and required distributions.

  • Can I retire before claiming Social Security?

    Possibly. We'll help you build an income bridge so you can delay Social Security and potentially increase your future benefits.

  • How do I deal with market downturns during retirement?

    We use bucket strategies and cash reserves to help cover your needs without selling investments at a loss.

  • Will inflation ruin my retirement income?

    Not if you plan for it. We build cost-of-living adjustments into your strategy and use investments designed to outpace inflation.

Let's Build Your Retirement Income Plan

If you're wondering how to make your money last in retirement, let's talk. We'll walk through your options and show you a plan built around your real life.