When should I start retirement planning?

The earlier, the better — but it’s never too late. We help clients at every stage, whether they’re five years away from retirement or already drawing income.

What if I’ve already retired?

We can still help you optimize income streams, reduce tax liability, and adjust plans as needed.

How much does a retirement analysis cost?

We offer transparent, customized pricing based on your needs. Many clients see savings or strategic improvements that more than offset the cost of planning.

Can I still work with you if I already have a financial advisor?

Yes. Our services focus on estate coordination and retirement strategy — we often complement rather than replace your existing advisor relationship.

Retirement Analysis

Prepare for Retirement with Confidence and Clarity

Planning for retirement is about more than saving money — it’s about knowing how to make it last. At Estate Planning Coordinator, we provide comprehensive retirement analysis services that help you understand your income needs, minimize tax exposure, and build a stable financial future.

Based in Florence, Alabama, and serving clients across the USA, we work with individuals and couples nearing or already in retirement who want to make informed, confident decisions about their next phase of life.

Our Retirement Analysis Services

We help you take control of your retirement years with:

Income Planning

We estimate how much income you’ll need in retirement and help identify the most reliable sources. We also evaluate your withdrawal strategy to avoid running out of funds too soon.

Tax-Free Retirement Strategies

Using tools like Roth conversions, tax-advantaged accounts, and life insurance, we explore ways to generate tax-free or tax-reduced retirement income that supports your lifestyle without increasing your IRS burden.

Investment Review

We help you evaluate whether your investment mix supports your risk tolerance and income goals during retirement. For many retirees, safety and preservation become more important than growth alone.

Required Minimum Distributions (RMDs)

If you’re 73 or older, the IRS requires you to begin withdrawing from certain retirement accounts. We help you plan RMDs strategically to minimize their tax impact and avoid penalties.

Social Security Planning

We analyze your optimal filing age and how timing affects your benefit — whether you’re single, married, divorced, or widowed.

Healthcare and Long-Term Care Cost Forecasting

We consider potential medical expenses and help you plan for rising healthcare costs or nursing care needs that could impact your estate and income.

What Is a Retirement Analysis?

A retirement analysis is a detailed review of your current financial position and your projected retirement needs. We assess the income sources you’ll rely on — like Social Security, pensions, retirement accounts, and investments — and calculate whether those sources will support your lifestyle and goals.

Our analysis includes:

Income and expense forecasting
Retirement account review (401(k), IRA, Roth, etc.)
Social Security timing strategies
Healthcare and long-term care cost planning
Tax exposure and mitigation
Estate impact and legacy planning

This process helps you identify gaps in your plan, explore tax-efficient options, and create a retirement strategy that supports your values and priorities.

Why Retirement Planning Is Part of Estate Planning

Retirement and estate planning are deeply connected. A well-structured retirement strategy helps ensure your financial stability during retirement and makes it easier to pass on assets afterward.

Here’s how we bridge the two:

Align your retirement income with legacy goals
Coordinate beneficiaries across accounts and legal documents
Avoid unnecessary taxes that reduce the value of your estate
Plan for long-term care needs without draining family wealth

Reduce stress on loved ones through advanced planning

Who Should Get a Retirement Analysis?

A retirement analysis is ideal if you:

Are five to ten years from retirement
Have multiple retirement accounts or income sources
Want to avoid unnecessary taxation
Are concerned about outliving your savings
Want to align your retirement strategy with your estate plan
Prefer professional, personalized advice over generic calculators

Common Questions About Probate

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Your Retirement, Your Plan

There is no one-size-fits-all retirement plan. We listen to your goals, evaluate your current standing, and develop a strategy that brings confidence and clarity to the years ahead.

Whether your focus is on preserving income, avoiding taxes, or preparing a smooth legacy for loved ones, we help you plan with intention.