Retirement Income Planning
The challenge of retirement income
Plan with Confidence
Decumulation is different from saving. Market swings, inflation, healthcare costs, and taxes all compete for your dollars. Peterson Row designs a plan so your lifestyle isn’t at the mercy of headlines.
Our Investment Approach
Turning savings into steady income requires more than just withdrawals—we build a strategy that balances reliability with flexibility, so your lifestyle can continue confidently through retirement.
01
Assessing income needs
We begin by separating essential expenses—such as housing, utilities, and healthcare—from discretionary spending like travel, time with grandchildren, and hobbies, so we can establish a durable baseline for retirement income.
02
Safe withdrawal rate
We set flexible guardrails that adjust with market conditions, helping you stay on track without the stress of constant worry.
03
Investment buckets
We structure your assets into different time horizons, pairing a short-term cash reserve with a long-term growth engine, so your near-term spending does not depend on volatile investments.
04
Social Security & pensions
We coordinate your filing age and survivor benefits with portfolio withdrawals to create the most resilient and tax-efficient cash flow.
05
RMD planning
We prepare for Required Minimum Distributions at age 73 and integrate them into your annual tax plan so they support, rather than disrupt, your retirement income.
Tax-efficient withdrawals
Which account you tap first matters. Coordinating taxable, tax-deferred, and Roth sources can reduce lifetime taxes. We align your withdrawal order with proactive tax planning and the realities of your spending rhythm.
Monitoring and adjusting
Life happens. We review annually—or sooner if needed—to adjust withdrawals for market changes, one-time expenses, or new goals, keeping your plan aligned with reality. For context on how your investments are managed alongside income, see our investment management process, and remember that income planning sits within broader retirement planning decisions.
Peace of mind in retirement
If you want a steady, tax-aware paycheck from your savings, Peterson Row can map a strategy that fits your life.
