Retirement Planning

Thoughtful guidance for your distribution years

Your retirement should feel like an achievement, not an uncertainty. At Sterneck Capital Management, we help you turn your savings into a sustainable income plan that supports your lifestyle and future goals.

Building Your Retirement Roadmap

From earning years to distribution years

We specialize in guiding pre-retirees and retirees through the critical transition from accumulation to income. Together, we create a plan that reflects your lifestyle, timing, and comfort level while accounting for longevity, inflation, and evolving market conditions.


  • Defining Your Retirement Goals: We help you visualize your retirement—where you’ll live, what you’ll do, and how you’ll spend your time—then translate that vision into a financial framework.
  • Social Security & Pension Optimization: We analyze when and how to claim Social Security and pension benefits to maximize lifetime income, balancing tax impact and survivor benefits.
  • 401(k) and IRA Strategies: Our team builds a withdrawal plan that optimizes your retirement accounts, coordinates RMDs, and manages tax exposure through careful sequencing.
  • Healthcare & Long-Term Care: We plan for Medicare, supplemental coverage, and long-term care costs to prevent unexpected expenses from disrupting your income plan.

A Sustainable Retirement Income Plan

Income that lasts a lifetime

Your retirement income plan balances growth, safety, and flexibility. We use cash flow projections, stress tests, and market scenario modeling to design a plan that endures. Each component—investments, withdrawals, taxes, and timing—works together to ensure your income supports your goals. Regular reviews and updates keep your strategy aligned as markets shift or priorities change.

Why Choose Sterneck Capital

Specialized experience in retirement transitions

Many of our clients are navigating the years leading into or living in retirement, so our expertise is built around these transitions. We tailor every plan to reflect unique income sources, timing preferences, and family goals. Our combined planning and investment management approach helps extend portfolio longevity through tax-aware decisions and disciplined allocation. We remain an active partner throughout retirement, adjusting strategies as your needs evolve and ensuring every step feels intentional and informed.

A lasting partnership for the years ahead

Personalized, data-driven, and always in your best interest

Retirement planning isn’t a single moment—it’s a process that evolves with you. Our fiduciary, fee-only structure means every recommendation serves your best interest, not ours. With advanced tools, decades of experience, and a client-first philosophy, we help ensure your savings become a source of security and confidence. Whether you’re five years from retirement or already there, we’ll help you plan for what comes next.

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Retirement Planning FAQs

Common questions about planning for your next chapter

  • When should I start planning for retirement?

    The earlier you start, the more flexibility you have to make meaningful adjustments. Many clients begin formal retirement planning five to ten years before leaving work, which allows time to align savings, taxes, and income strategies. However, even if you’re already retired, it’s never too late to optimize what you have. We meet you where you are and build a plan that works from this point forward.

  • How can I make sure I won’t outlive my money?

    We run detailed projections that model income, expenses, inflation, and longevity under different scenarios. This includes stress testing against market downturns to identify sustainable withdrawal rates. The goal is to give you confidence that your plan can withstand real-world conditions. As markets and your circumstances change, we update the plan to keep you on track.

  • How do you determine when to take Social Security?

    Timing Social Security is one of the most important decisions in retirement. We analyze your age, health, income sources, and spousal benefits to identify the strategy that maximizes your lifetime benefit. By modeling different filing ages, we show how each option affects your income and taxes. You make the final decision, and we ensure it integrates smoothly into your overall plan.

  • What’s your approach to managing market risk in retirement?

    We structure portfolios to balance growth and income while minimizing volatility. That includes diversifying across asset classes, maintaining a cash buffer for near-term withdrawals, and adjusting allocations based on market conditions. The goal isn’t to avoid risk but to manage it intelligently so that your plan stays resilient even when markets fluctuate.

  • How do taxes factor into retirement planning?

    Taxes play a central role in how long your savings last. We coordinate with your CPA to structure withdrawals and conversions that minimize tax impact over your lifetime. This includes managing RMDs, Roth conversions, and asset location strategies to improve efficiency. The result is a smoother income experience and potentially thousands saved in unnecessary taxes.