Retirees: How We Help

• Turning savings into a paycheck. After decades of saving, the question becomes how to live on what you’ve built. We design a dependable income plan, built from bond interest, dividends and planned withdrawals, so money arrives on a schedule you can count on.

• Tax-free income for California residents. California taxes income at some of the highest rates in the nation. We build portfolios of individual California municipal bonds, laddered by maturity, that can pay interest free of both federal and California income tax, along with a clear schedule of when each bond matures.

• A cash reserve for peace of mind. We keep a reserve set aside for your spending, so a bad day, month or year in the markets doesn’t force you to sell investments at the wrong time.

• Staying calm through market swings. Account values move every day; your income plan shouldn’t. We focus our updates on what matters most, the income you receive, and we’re always a phone call away when markets get loud.

• Smart withdrawals and tax timing. Required minimum distributions, Roth conversions in lower-income years, and the order in which accounts are drawn can all affect how much you keep. We help you understand your options and coordinate the details with your CPA.

• Planning for a long retirement, and for both spouses. Retirement can last 30 years or more, especially when one spouse is younger. We balance income today with growth for the decades ahead, so the plan works for both of you.

• Simplifying a complicated financial life. Old 401(k)s, scattered IRAs and accounts at several institutions add up to confusion. We help you consolidate and organize so you can see everything clearly in one place.

• Legacy and the people you love. We review beneficiaries and account titling with you and work alongside your estate attorney to make sure your wishes are carried out.